finance
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Preparing For a Rainy Day
The rate at which people in the UK are saving is falling. According to data from the Office for National Statistics, more than half of 22 to 29 year olds (53%) have no savings at all. Even among those who are saving, 40% have no more than £1,000 saved. It’s an alarming figure as it means that a large portion of young adults do not have emergency funds to cover unexpected expenses. Some examples might include sudden car repairs, having to replace a faulty boiler system, or an unexpected job loss. Either scenario can happen. If you’re not prepared with a rainy day fund, you could be left with no…
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How Families Can Make Their Homes Feel Warmer This Winter.
We’re in the throes of winter and coming home to a warm house has become the best part of the day. However, for some, switching on the heating can be a huge decision. A recent survey looked to find out why more and more households are leaving it until the very last minute to switch on the heating. Even if it’s icy outside and temperatures have fallen heavily, many families are still refusing to turn on the heating. Ever increasing energy bills are forcing people to look at other ways of conserving heating. But there are other things that you can do to make your home feel warmer, as it…
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Managing Home Renovation Scope and Budget
A great time in the life of a home owner is when all the bills are paid and all the new improvements are done and paid for. No more mortgage to pay each month and the home is up to date with all the latest gadgets and trimmings. But actually, this is a rare scenario of fantasy land for the everyday homeowner, so we have to be a little more savvy with our budget when it comes to home renovations. Celebrate the Accomplishment of Home ownership with Good Decisions Home ownership is a great time in life, having done a great deal of research, searching, dealing for the right home…
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Financing Your Life And Choices
Once upon a time shopping was simple. You went to the cash machine, drew out your money, and you shopped until it was all spent. Designer clothing was the property of the super rich and famous, the rest of the population were perfectly happy to stick to the Great British High Street, and as for internet shopping, it was merely a blink in the World Wide Webs Eye. But fast forward to the present day. It is no longer just the celebrities who carry the designer bags, or wear the Louboutin shoes. Nor is it just the rich who buy designer clothing. Take a look at Harvey Nichols or Selfridges…
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We All Need A Credit Card At Some Point.
Money. It definitely makes the world go round, and it is certainly better to have than to not have. But even though in an ideal world everything would be paid in cash and we would have heaps of the stuff under the bed in sacks, the reality is that we now live in a plastic, and sometimes contact less, world and that means that we sometimes need to rely on a little bit of credit to make life easier. There are many reasons why we might turn to a credit card. I have taken out credit cards at various points in my life, and for a variety of different reasons.…
