Personal Finances

Personal finance – this covers everything to do with your personal money matters, both big and small. Sounds simple? Well good – that’s what we are aiming for. By taking out all the complicated financial jargon, that banks, lenders, and debt managers use to try and confuse you, we’ll be making everything in this section as simple as possible. Our content is influenced bu our personal experiences in debt management, saving strategies, and cross-outlet banking.

Paying Off Debt With Savings – Is It Worth it?

Most people would prefer to keep savings or continue, to pay into savings, rather than service their own debt. I’m not talking about paying into an emergency fund, but actually having money in a normal savings accounts, earning little to no interest. This may be alongside paying a higher interest rate in debt than they’re…
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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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Avalanching Your Debt: How Does It Work?

As mentioned in a previous post, there are different types of debt repayment strategies. Following on from our looking into snowballing, in this article we will be looking at the avalanche repayment method, how it works, and whether or not this is the right choice for you. What is Avalanching? Avalanching is the strategy of paying…
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Snowballing Your Debt: How Does It Work?

As mentioned in a previous post, there are different types of debt repayment strategies. In this article, we will be looking at the snowball repayment method, how it works, and whether or not this is the right choice for you. What is Snowballing? Firstly, this strategy works well if you have multiple debts over different…
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How To Pay Off Your Debt – The Simple Guide

In this guide, we will explain the simple tricks to paying off your debt. In our debt repayment series, we will go much more into detail on the different strategies you can use to getting out of debt. But for those that are looking for an easy-to-follow introduction, you’ve come to the right place. We…
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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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