Category: Personal Finances

Reader’s Submission:- What is Universal Basic Income?

*please note that any opinions expressed in this article may not reflect those of the* *3MoneyTalk team* In recent times, the idea of a ‘Universal Basic Income (UBI)’ being adopted throughout the world’s developed economies has gained traction, with prominent Democrat presidential nominee Andrew Yang being one of those to call for its implementation. But…
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Emergency Fund – Why it’s Important?

An emergency fund is exactly what it says on the tin – it’s an EMERGENCY fund. For emergencies. It’s money you put away for a rainy day, whether that be in case your roof has literally collapsed, your car has decided to break down, or you have lost your job. It should not be touched…
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Savings: Making Your Spare Cash Work For You

With interest rates at an all time low in the UK, and some countries like Switzerland even having negative rates, it’s often hard to find a good high-yield savings account on the market. Most banks have slashed their rates down to around 0.1%, and saving has become much less lucrative than just over a decade…
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Lifetime ISA – Why You Need To Open One (UK)

The Low Down In short – The Lifetime ISA (LISA) allows you to save up to £4000 a year in which the government will match any deposit by adding an extra 25%. Therefore if you pay in the full £4000 deposit every tax year, the government will give you a cash bonus of £1000. The…
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Fintech Bank Reviews – My Top 3

Banks centered on financial technology innovations (FinTech) are popping up all over the place. As someone who is always looking to maximise my own money, and get the most out of a bank, I want to share my experiences with you. (By the way, if you’re confused as to what exactly FinTech relates to, we’ve…
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Why Everyone Needs An American Express Card – A Simple Guide

American Express is seen as the gold standard of all credit cards. Giving their customers a plethora of rewards, cash back and other top benefits is why they have been so popular for such a long time. After recently just being accepted for an Amex card myself, I will take you through why I think everyone…
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