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Holiday disasters
If we have worked hard during the year saving for a holiday and looking forward to a well-earned rest from work we can be forgiven if we find it difficult to accept excuses when the holiday is less...
Guarantees
When buying goods and services, we are all used to being told that what we’ve bought is covered by a ‘guarantee’ or ‘warranty’. But what does this mean, and what...
Builders
Anybody can set up as a builder, but this freedom comes with huge pitfalls, as how do you know if your best quote was given by a seasoned expert? So how do you go about finding the perfect builder?...
Understanding your PAYE tax code
Your ‘PAYE Coding Notice’ will tell you what your tax code is and how it’s worked out. The tax code tells your employer or pension provider what tax-free income you’re entitled to (if any) over the...
The importance of budgeting
Planning carefully is the best way of ensuring you keep control of your incomings and outgoings. Setting yourself a clear personal budget will help you understand your finances better, plan for the...
Maximise your income
It is easy to take for granted that our financial situation is a given. However, you may be missing out on opportunities to increase your income or reduce expenditure if you are not consciously...