Personal Finance Articles
41: Simple Ways to Save For Your Future
Life has a habit of throwing the unexpected at us, and it can be difficult to cope financially with large one-off expenses that you didn’t see coming. So where can you cut down your cost of living and start saving?
42: Food for thought: too much choice is no bad thing in the mortgage world
When looking to buy a house, it’s important to fully understand the many ins and outs of the mortgage process before making any commitment. And by knowing the right questions to ask, this will ensure there will be no nasty surprises further down the line.
43: Do you have grounds for an endowment complaint?
There has been a lot of talk in the news over recent years about endowments and how some have found they've been left high and dry. Many people still aren't sure what to do about it if they feel they have been short changed by their endowment policy.
44: Who Knows What’s Around the Corner?
Protecting yourself and your possessions against the unexpected can put your mind at rest and make life that little bit easier. Arranging the right insurance is a key factor in minimising the impact of those events you just can’t predict.
45: Getting into the savings habit
We’re often told that we should all be putting money away for the future. Most of us can see the sense in this, but in reality it’s not always easy to do. Thankfully, there are some things you can do to get started.
46: The Benefits of managing your money online
Today’s busy lifestyles can make banking difficult. That’s why more and more people are switching to online banking, both for their current accounts and their savings.
47: Worth the Risk: The Reasons for the Increase in Internet Banking
Despite warnings over safety, Internet banking is becoming more and more popular. With reported risks, and yet record numbers of users, there must be some pretty attractive benefits awaiting Internet bank customers.
48: Boom times ahead for savers!
Although the credit crisis has brought misery for some borrowers, savers are finding that interest rates are holding steady or even improving. So, for those reliant on interest payments as their monthly income their situation is actually set to improve.
49: How Should You Pay Back Your Mortgage?
Everyone would like to pay off their mortgage as quickly as possible and free up some more disposable income. What are the things to watch out for when choosing how to repay your mortgage?
50: Now’s the time to save money online
Following the recent credit-crunch, consumers would be well-advised to look into opening high interest savings accounts in order to make the most of their money.
51: Make significant savings with an online savings account
Banks are currently trying to get consumers to open online savings accounts, but what exactly are they and how do they work?
52: Sell Endowment - What are the options?
Your endowment policy could be worth more than you think. If your surrender value is lower than predicted you should take a look in to the endowment claim market to see if you are a victim of misselling.
53: Lending a leg-up – the history of mortgages
Mortgages are essential to the fabric of modern society, enabling people to buy a property without having immediate access to thousands of pounds. The development of the modern mortgage, like many things, has its roots in the land.
54: Save yourself a small fortune with a great ISA deal
It is the start of a new tax year, and for those who failed to make their most of their tax free savings in 2007-08, opening an ISA should be a new 'tax' year's resolution.
55: Bank charges finally ruled unfair?
A recent decision by Mr Justice Andrew Smith at the High Court has ruled that bank charges do fall under Unfair Consumer Contracts Regulations. Does this mean all claims for unfair bank charges will be refunded?
56: A Good Rapport with Banks: The Importance of Checking Your Credit Report
The ongoing credit crunch has seen lenders seeking to make up for the unwise lending of recent years by curtailing their lending, and more importantly, closely monitoring the people whom they lend to. It’s important, then, to know your credit rating.
57: Don’t let your endowment catch you out
20 years ago, insurance companies were selling countless endowment policies as people believed that not only would it pay off their mortgage, but they would have extra cash left over at the end. Now, endowments are not looking like such a good investment.
58: Save Your Energy: Switch to Avoid Fuel Poverty
Recent times have seen shocking increases in energy bills, leaving a large number of families in ‘fuel poverty’. With ever-rising gas prices, and a plethora of suppliers available, it is often difficult for customers to know whether they can save money or not – and how.
59: With-profits funds about to make comeback?
After being largely ignored by mainstream savers in recent years, with-profits funds are threatening to make a comeback following much improved returns in 2007.
60: Boss seeking to boost Abbey’s banking status
The Abbey went through some tough times at the turn of the century, but following the appointment of a new chief in 2004 the organisation has not looked back, and is now setting its sights on stealing business from the 'Big Five' UK banks.
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