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What is a Credit Score and Why Should You Care?

You have probably heard that your credit score is important, and that you should keep track of it. But does your credit score really impact your daily life, and does it actually matter? The short answer is yes – your credit score can not only affect your chances of getting loans and credit cards, it…
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How Do I Get a Loan With Bad Credit?

Unfortunately a bad credit score, even if this is due to circumstances outside of your control, can impact your ability to take out further credit. So if you’re facing an unexpected expense, and need to take out a loan, a poor credit rating can make this more difficult. There are a number of ways in…
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5 Simple Ways to Improve Your Credit Score

If you have a low credit score, you’ll probably know that this can make taking out credit more difficult. This can be true of anything from a mortgage to a payday loan. And as most information stays on your credit file for around six years, any defaults and late payments can impact your chances of…
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Budgeting Tips

Budgeting: Using Cash and Technology

A lot of people find budgeting difficult. Keeping track of your spending can also get rather tiresome. Unless you’re incredibly passionate about spreadsheets, you probably don’t want to spend hours tracking your spending habits. So what methods can you use to make budgeting more exciting? We can’t pretend that there’s a magical way to make…
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Budgeting: Savings Goals

If you’re saving without a specific purpose in mind, it can often be easy to withdraw money without worrying. Should you overspend on a shopping trip, you’ve still got the buffer of your savings, right? If this only happens occasionally, it’s not really an issue, but if it becomes a habit, you may find that…
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Budgeting: Paying Off Credit

One of the most common reasons for budgeting is to pay off any outstanding debt. As interest is usually being applied to your credit commitments, it’s important to set up arrangements for them sooner rather than later. Otherwise you could end up owing much more in the long run. So what are your options when…
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Budgeting Tips

How to Create a Budget

While a budget isn’t a magical solution that will allow you to successfully manage your finances, it can mean more financial freedom, not to mention less stress. You simply need to consider whether you are spending within your means, and if not, what you can afford to spend each month. There are plenty of free…
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Millennials Miles away from Purchasing Property

“If millennials would eat less avocados, they would be able to afford a mortgage”, a common joke with regards to this generation and purchasing property. Only 4% of all households led by a 25-34 year old own their home outright and 35% are in the process of buying with a mortgage or loan. However, research…
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Keys in hand

How To Save For Your New Home

With the high cost of living and other commitments, it is hard to save up for a deposit in this day and age. Nevertheless, if you follow our simple tips and tricks you will be able to turn your dream house into reality, with much more ease. Deposit The first major saving you’ll have to…
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Mindful meditation

Becoming Mindful With Your Money

Being mindful is beneficial in all aspects of our life and it shouldn’t be any different with our money. Mindfulness is about cultivating a practice of paying attention to your internal state in the moment, and noticing how that affects your decisions and behavior. We might not consider finance related to our spirituality, however in the world…
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