Steps to Buying a House

Steps to Buying a House… it’s a question everyone asks themselves at some point in their life, and can often be one of the largest and most stressful purchases you will ever make. Luckily for you, we have produced a guide to all the standout basics that will get you to signing that dotted line.…
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Is Spread Betting tax free? The reasons why.

Is Spread Betting tax free? In this article, we’ll be explaining everything you need to know about Spread Betting and why you should consider it as a trading practice! Following on from last week’s introductory article on swing trading (which can be found here in case you missed it!), today’s article centers on a rather…
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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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What is an ISA (Individual Savings Account)?

What is an Individual Savings Account (ISA)? – This guide aims to highlight the knowledge you need to start out in the world of saving. One of the best ways to save your money (usually) risk-free is to open what’s known as an ISA account. To do this, we’ll take you through step-by-step how they…
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Avalanching Your Debt: How Does It Work?

As mentioned in a previous post, there are different types of debt repayment strategies. Following on from snowballing, in this article we will be looking at the ‘avalanching your debt’ repayment method, how it works, and whether or not this is the right choice for you. What is avalanching your debt? Avalanching is the strategy of…
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Factors that make a Good Investment

Perhaps the most important aspect of achieving investment success is having an eye for a prime opportunity. Part of the reason around 70% of all CFD accounts lose money is because of inexperienced traders making investments without understanding the market trends and stock behaviors. There’s a lot more to a smart investment than just an…
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A Beginner’s Guide To FinTech

What is Fintech? FinTech is a term that’s been smugly thrown around a lot over the last few years, as companies such as PayPal, Monzo, and Trading 212 have taken the online markets by storm with their alternative, ease-of-life offerings to traditional finance norms. In this guide we’ll unpick what FinTech actually is, what it…
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A Beginner’s Guide To Credit Cards

A Beginner’s Guide To Credit Cards… you’ve definitely come across them, and heard about all the different benefits, rewards, and advantages of being a card member. You’ve also probably heard of the downsides to misusing the credit you’re borrowing too. In this post we’re going to unpack the fundamentals of what a credit card is…
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Interest – What it is and why it’s Important

In the first of many guides here on 3MoneyTalk, we begin on a topic that will inevitably impact each and every one of us at some point in our financial lives; interest. In a nutshell, interest is the cost of borrowing money. However, this is a two way street. Interest affects virtually every aspect of…
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