22, Sep, 2022 | Announcements
With an amazing shortlist of the UK’s best fintech co’s such as Chip, LOQBOX, Plum, Snoop, and Tickr, Hastee came out victorious. A massive team effort and we are hugely proud of each and everyone of the team to put Earned Wage Access at the forefront of...
22, Sep, 2022 | Announcements
Acquisition consolidates leading ‘flexible pay’ provider to benefit all sizes of customer and accelerate the modernisation of pay LONDON, UK, 12th November, 2020: Hastee, the leading earnings on demand company, has agreed to acquire Typs, their Spanish...
22, Sep, 2022 | Announcements
We’d love to introduce you to our brand spanking new CEO, Jaime Jimenez. This week we sat down with him to ask the hardest of the hard hitting questions. You’re welcome! ✨Slack or Emails? Emails… does that mean I am old school? ✨Circles or squares? Squares...
22, Sep, 2022 | Financial Wellbeing
We are all guilty of getting sucked into a sale or purchasing something we probably could’ve gone without. But in that moment of time we know it is wrong, but that rose quartz drink bottle to positively charge your water, just felt so right. At a time when many...
22, Sep, 2022 | Financial Wellbeing
Well if Earned Wage Access, isn’t a benefit then what is it? It’s the future. In its simplest form, most people are paid fortnightly or monthly (mostly the latter here in the UK) and we are removing this barrier, allowing workers to access a portion of their earned...
22, Sep, 2022 | Announcements
Hastee was founded for a purpose: to improve the financial health and productivity of workers. Our solution allows employees to withdraw a portion of their pay as soon as they have earned it, breaking the outdated monthly pay-cycle that forces many into debt and...
22, Sep, 2022 | Announcements
We are excited to announce an exclusive partnership with leading health and wellbeing benefits provider Vivup. Hastee, who enable employees to access a portion of their earned pay when they need it, are already established within healthcare, working with NHS Trusts...
22, Sep, 2022 | Announcements
LONDON, UK., 27th April 2021: Hastee, the award-winning, financial health platform, has today announced an exclusive new partnership within the Earned Wage Access space , with global financial wellbeing platform nudge, which will allow Hastee users access to its...
22, Sep, 2022 | Success Stories
The term ‘destination employer’ is a badge of honour for any business, but one does not simply become a destination employer overnight. Whether a business qualifies as one depends on how jobseekers and your existing staff perceive the business. If you’re seen as a...
22, Sep, 2022 | Financial Wellbeing
The impact of Christmas spending isn’t just felt in December or January, it can go right through the year. 25% of people surveyed said that the impact of Christmas is felt 3 months after Christmas and frighteningly some people are still feeling the impact of the...
22, Sep, 2022 | Announcements
We are thrilled to be nominated for Disruptor of the Year at the London Business Awards 2020! It has been one hell of a 12 months here at Hastee. We have got some amazing new clients in the form of All Bar One, London City Airport, Brewhouse and Kitchen, IRIS...
22, Sep, 2022 | Success Stories
Who do you work for? I work for GMS Security as Business Protection for Jaguar and Land Rover. I have been working with GMS now for 5 months and I really enjoy working with the team here, as every day is different. What do you like about being able to get paid...
22, Sep, 2022 | Announcements
South London and Maudsley NHS Foundation Trust has enrolled earnings on demand platform, Hastee, to revolutionise the way its NHS workers are paid, offering them the ability to track and access a portion of their earned pay as soon as they have earned it. South London...
22, Sep, 2022 | Financial Wellbeing
There are two ways you can receive tax relief on your pension contributions if you’re in a workplace pension scheme. Your employer chooses which method to use and must apply this to all staff. Here’s how tax relief works. What is tax relief? When you pay into your...
22, Sep, 2022 | Announcements
We are delighted to announce that Hastee has been named a finalist in the TechRound100, which ranks the top 100 start-ups in the UK that have been praised for their innovation and contribution to the UK’s fast-growing start-up scene. The announcement...
22, Sep, 2022 | Announcements
Hastee is an award-winning earnings on demand technology, offered as a benefit that enables workers to take a portion of their earned pay, on demand, increasing choice and financial flexibility. It’s an ethical alternative to taking on debt from sources of credit and...
22, Sep, 2022 | Announcements
The BNPL offer is simple enough: customers are allowed to spend money they don’t have by delaying payments for products. It lets them split the cost of their purchase into interest-free instalments, or pay in full up to 30 days later – and is offered both...
22, Sep, 2022 | Announcements
Our Workplace Wellbeing Study 2020 focuses on the challenges and opportunities of payroll. The survey of 2,005 UK earners paints a picture of a challenging earning and spending process as the public try to make sense of their personal finances in a...
22, Sep, 2022 | Announcements
In the ever-shifting Covid-19 landscape, companies across all sectors have adapted swiftly, making huge changes to how they do business as they navigate the road ahead. Right now, protecting employees’ physical health and safety has understandably come top of the...
22, Sep, 2022 | Announcements
Alternative payment models will prove essential to businesses satisfying the increasing demands of the modern workforce says Simon Draper, co-founder of Hastee Pay. Forward-thinking businesses understand that today’s workforce demands more in terms of workplace perks...
22, Sep, 2022 | Announcements
First seen in Financial Director in May 2018 Businesses must embrace disruptive technologies, but first they must learn to recognise the traits of meaningful disruption says Peter Ingram, our very own CTO. Disruption is more than just a buzzword, it’s happening all...
22, Sep, 2022 | Announcements
The Financial Conduct Authority (FCA) delivered an outline of plans to reduce the number of people using high interest credit options such as home-collected loans, in-store credit cards and rent-to-own schemes. There are 3 million people in the UK currently using high...
22, Sep, 2022 | Announcements
London Tech Week which happened last week isn’t the city’s only opportunity to showcase the high calibre of innovation that takes place in the capital. New technologies emerge from every corner of the city at every time of day and night. But Tech Week is rightfully a...
22, Sep, 2022 | Announcements
First seen in FT Advisor in June 2018 It’ll take more than the FCA’s new guidelines to reduce financial difficulty caused by high cost credit options. Education and fintech innovation must form a combined approach to bursting the personal debt bubble says our CEO,...
22, Sep, 2022 | Announcements
It seems today’s younger generations have been struck a raw deal. They’ve been priced out of the housing market, the retirement age has risen, and they’re dogged with debt in a world that encourages them to keep spending. This is confirmed in a 2018 study from...
22, Sep, 2022 | Announcements
See below for the Press Release on our win at Digital Technology Leaders Awards 2018! Digital Technology Awards 2018 – Win
22, Sep, 2022 | Announcements
Employers are continually expected to take a keen interest in providing workplace perks. This helps businesses prosper by attracting, retaining and motivating talent. Remote working schemes and free food and drink are popular workplace benefits, but are these...
22, Sep, 2022 | Announcements
Forward-thinking employers must explore alternative payment models to stay relevant in the wake of evolving demands from the modern workforce Employers are continually challenged to go the extra mile in providing workplace perks. This helps businesses compete by...
22, Sep, 2022 | Announcements
BREAKING NEWS. We are delighted to announce we have been selected to showcase our expertise by joining the Department of International Trade UK Fintech Trade Mission to San Francisco this November. We are looking forward to meeting with US regulators, VCs, industry...
22, Sep, 2022 | Announcements
Today we are announcing our partnership with Only A Pavement Way (OAPA), a recently-launched charity acting to help homeless and vulnerable people struggling to get into work overcome hurdles of finding employment. Launched at the Houses of Parliament on 10th October,...
22, Sep, 2022 | Announcements
According to our Workplace Wellbeing Study many employers should open their eyes about the mental health at work of their employees. Of the 1,000+ workers interviewed, financial stress impacts their sleep (38%), social life (29%), relationships (29%) and importantly...
22, Sep, 2022 | Announcements
This week see’s the sixth Payments Awards at the Grosvenor Marriot Hotel, with companies across the payments spectrum jostling for the prestigious awards and prime industry recognition. Hastee Pay is delighted to be nominated for five awards and joins Saxo Bank as the...
22, Sep, 2022 | Announcements
Independent Research Report – 2019 Hastee Christmas 2018 Research So it seems the struggle is real and not just over Christmas, but well into January and beyond. We set out to explore the impact of Christmas on businesses in terms of staff productivity relating to...
22, Sep, 2022 | Announcements
The connection between mental health and work is a very hard topic nowadays. It’s just common sense isn’t it; if you are stressed about money then your mental health at work will suffer affecting your performances. Hastee is part of the solution allowing people to...
22, Sep, 2022 | Announcements
Earlier this month was our charity partner Only A Pavement Away’s (OAPA), inaugural conference held at the hClub. It was a fabulous gathering of 150 leaders from the hospitality industry, all with the same goal, to help and protect the most vulnerable in society and...
22, Sep, 2022 | Announcements
It’s recently been reported that the divide between the poor and wealthy is growing. If you’re a working-class professional, you could be paid 17% less per year than someone from a privileged background. This is according to the Social Mobility Commission’s latest...
22, Sep, 2022 | Announcements
Financial wellbeing 2019 – companies need to do more. Download the complete 2019 WWS from the link below Hastee-WWS19-Web 2 More workers are using high-cost credit options between pay days despite knowing they’ll struggle Following...
22, Sep, 2022 | Financial Wellbeing
When borrowing money, don’t simply look for a loan with the lowest monthly repayment. Before you sign up, make sure you know the total cost of repaying the debt. What is the ‘true cost of borrowing’? The true cost of borrowing takes into account: The loan amount the...
22, Sep, 2022 | Financial Wellbeing
If you are invested in the stock market (which you almost certainly will be if you have a pension) and have seen the value of your investments fall, it’s tempting to cut and run and put it all somewhere you think is safer. But if you do, you will be selling your...
22, Sep, 2022 | Financial Wellbeing
We spend so much of our time working that there have to be some perks to it right? Keeping staff happy is a really important role in an organisation because it can improve employee wellbeing, help staff work better and produce better quality outcomes. Many employers...
22, Sep, 2022 | Financial Wellbeing
Am I paying too much tax? What do the numbers and letter of my tax code mean? Am I owed anything? Understanding your payslip is not as straightforward as you think. It may sound simple to work out exactly how much you will be paid for the work that you have done, but...
22, Sep, 2022 | Financial Wellbeing
Good Debt versus Bad Debt: Understand the type of debt you have to see if your credit is working for or against you. If someone asked you ‘Are you in debt?’ – apart from possibly being slightly put out by the personal nature of the question – how you answer will...
22, Sep, 2022 | Financial Wellbeing
What is credit? Credit is a sum of money made available for you to use, which you have to pay back plus some extra (interest/charges for the privilege!). See, it sounds simple when it’s put like that. But, the slightly trickier bit is choosing the right one for you!...
22, Sep, 2022 | Financial Wellbeing
When you’re in debt, it is important to know exactly what type of debts you have (priority and non-priority), in order to know which you should be tackling first. It makes very little sense paying off an overdraft when you have missed a TV licence payment. Yes, you...
22, Sep, 2022 | Financial Wellbeing
So with all the waxing lyrical we’ve been doing about saving, you might be forgiven for thinking that it boils down to a simple concept: saving = gold star and a toffee; not saving = could do better. That is it in a nutshell really, but there are some situations where...
22, Sep, 2022 | Financial Wellbeing
Everyone’s reason for saving will be specific and individual to them, it could be to achieve a dream like buying your first home, or having that big trip away, or it could be for a more general aspiration; to ensure you have enough money for any financial emergencies...
22, Sep, 2022 | Financial Wellbeing
Everyone who has unmanageable debt has their own unique story as to how borrowing money has ended up causing them a whole load of grief. However, debt problems are generally resolvable and taking action puts you back in control and on track to feeling your world is a...
22, Sep, 2022 | Financial Wellbeing
Creating a budget isn’t just about managing your money in order to tackle debt and reign in your spending, it can also help you find a way to spend cash on the things that you enjoy. Make a list of things that make you happy; it could be going to the cinema, buying...
22, Sep, 2022 | Financial Wellbeing
There is no denying: the benefit system is a complex one. With regular changes and renewals (just to keep you on your toes!), such as the on-going rollout of Universal Credit, it means many people are missing out on money because they don’t know what (or how) they...
22, Sep, 2022 | Financial Wellbeing
What can a bank or building society offer you? Don’t opt to stash your cash under the mattress when there are safer places to deposit your wage, that also provide convenient ways to manage bill payments, offer loans and give you interest while you save. What more...
22, Sep, 2022 | Financial Wellbeing
Due to the recent policy announcement by the chancellor if you’re considering applying for a mortgage payment holiday because of coronavirus please look at our guidance under Coronavirus and mortgage payment holidays. All other information and help on this page refers...
22, Sep, 2022 | Financial Wellbeing
Consolidating all your debts into one loan might appear to make life easier, but more often than not it’s a bad idea. If you miss repayments on a secured debt consolidation loan, you could lose your home. Get free debt advice first If you’re seriously considering a...
22, Sep, 2022 | Financial Wellbeing
Comparison websites can be helpful to help you find the right credit card. You’ll need to know the difference between a best buy table and a ‘whole of market’ search first though. Also, be aware that a best buy table might not show the best cards that are currently...
22, Sep, 2022 | Financial Wellbeing
Looking to buy a new mobile phone? Coming to the end of your contract? Take a few minutes to see if you should stay or switch to reduce the cost of your upgrade and mobile phone bills. We also look at hidden costs and whether or not you should insure your mobile...
22, Sep, 2022 | Financial Wellbeing
Most saving and investing products have some fees and charges associated with them, but this article focuses on investment products. While some fees are made clear up front, be alert to the fact that others might be hidden. How fees stop your money growing Typical...
22, Sep, 2022 | Financial Wellbeing
Falling victim to a scam, having your identity stolen or your card cloned can be distressing. But, if you’ve had money stolen from your account there are some things you can do. Find out how to report the crime, what your bank can do and how to go about getting your...
22, Sep, 2022 | Financial Wellbeing
Moving money to a credit card with low or 0% interest can help pay off the balance faster. Slash those interest payments, see the debts disappear, and make serious savings. Big tip Credit rating looking a bit ropey? Check out simple ways to improve that score and see...
22, Sep, 2022 | Financial Wellbeing, Uncategorized
If your child has a disability or long-term health condition, you might be entitled to Disability Living Allowance (DLA) for them as well as other financial support. This page explains more about the disability benefits and entitlements your child might qualify for...
22, Sep, 2022 | Financial Wellbeing, Uncategorized
If you’re already getting certain benefits and need a loan, see if you can apply for an interest-free Budgeting Loan from the Social Fund. This can be much cheaper than paying high interest charges for borrowing from payday or doorstep lenders. This page tells you how...
22, Sep, 2022 | Financial Wellbeing, Uncategorized
When it comes to spending, borrowing and avoiding charges, each type of payment card has different pros and cons. This guide tells you more about the main options. Cards for borrowing, cards for spending Credit cards Debit cards Store cards Prepaid cards Charge cards...
22, Sep, 2022 | Financial Wellbeing, Uncategorized
If your bank, building society or credit union went bust you would be entitled to compensation through the Financial Services Compensation Scheme for a maximum of £85,000. Find out what happens for joint accounts and if you have money with two banks in the same...
22, Sep, 2022 | Financial Wellbeing, Uncategorized
22, Sep, 2022 | Financial Wellbeing, Uncategorized
22, Sep, 2022 | Financial Wellbeing, Uncategorized
You have javascript turned off. Please turn javascript on to see the tools in action. Calculate your monthly mortgage payment
22, Sep, 2022 | Financial Wellbeing, Uncategorized
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22, Sep, 2022 | Financial Wellbeing, Uncategorized
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22, Sep, 2022 | Financial Wellbeing, Uncategorized
22, Sep, 2022 | Financial Wellbeing, Uncategorized
22, Sep, 2022 | Financial Wellbeing, Uncategorized
You have javascript turned off. Please turn javascript on to see the tools in action. Where to go to get free debt advice
22, Sep, 2022 | Financial Wellbeing, Uncategorized
Looking for tips? Here we go with a quick list of the best ways to save. Get into this way of thinking and follow these sensational saving tips for today’s savvy shopper. Sign up to email updates and alerts with your favourite online stores, they often offer you a...
22, Sep, 2022 | Financial Wellbeing, Uncategorized
Whether we like it or not, financial products are a necessary part of everyday life. From paying our wages into a current account to ensuring the cat, the list of financial products is endless. But what do we need? and more importantly what actually are they?...
22, Sep, 2022 | Financial Wellbeing, Uncategorized
If your adviser has gone bust and you’ve lost money because of their negligence, you might be able to get something back through the Financial Services Compensation Scheme. Check your rights for mis-sold mortgages, pensions, insurance and other investments and find...
22, Sep, 2022 | Financial Wellbeing, Uncategorized
Every year thousands of people lose millions of pounds due to investment scams. The internet and advances in digital communications mean these kinds of scams are becoming more common and harder to identify. Thankfully there are some warning signs, which you can use to...
22, Sep, 2022 | Financial Wellbeing, Uncategorized
Been with your broadband provider for longer than you care to remember? Join the club. Wi-fi cutting out can be a disaster, and slow speeds a continuing frustration. So why pay more than everyone else — especially when customer service might not be up to scratch. Be...
22, Sep, 2022 | Financial Wellbeing, Uncategorized
Tax credits help to boost your household income and can be worth thousands of pounds each year. But, both Working Tax Credits and Child Tax Credits are being replaced by Universal Credit and most people will have to make new claims will be for Universal Credit...
22, Sep, 2022 | Financial Wellbeing, Uncategorized
There are lots of benefits and entitlements available when you’re pregnant or have a baby, including maternity benefits, the Sure Start Maternity Grant, as well as benefits you can claim if you’re pregnant and unemployed or on a low income. What benefits can I claim...
22, Sep, 2022 | Financial Wellbeing, Uncategorized
Feeling out of control when it comes to money can be scary, especially if you don’t know whether you’ve got enough to live on. Getting a single monthly Universal Credit payment might be making you even more nervous about keeping your head above water. The only way to...
22, Sep, 2022 | Financial Wellbeing, Uncategorized
Pension release (also known as pension unlocking) means taking money out of your pension pot(s) before age 55. If you do this you will almost certainly get a huge tax bill and you could end up losing all your money. But don’t just take our word for it. This is what it...
22, Sep, 2022 | Financial Wellbeing, Uncategorized
Receiving a late payment letter can be extremely worrying, but there is no need to panic. First, you need to understand which of your debts is most important and then start dealing with them or talk to a free and impartial debt advice company. Find out more below....
22, Sep, 2022 | Financial Wellbeing, Uncategorized
If you’re struggling to meet your mortgage repayments there’s a range of government schemes that offer help. These include the Mortgage Rescue scheme, Support for Mortgage Interest, and other government benefits that might boost your income. Contact your lender first...
22, Sep, 2022 | Financial Wellbeing, Uncategorized
Payday loans are an expensive way to borrow. Never take out a payday loan unless you’re certain you can repay it on time and in full – otherwise, the costs can soon spiral out of control. If you’re thinking of getting one, here’s what you need to know. How payday...
22, Sep, 2022 | Financial Wellbeing, Uncategorized
Used well, a credit card is a secure and flexible way to pay and can be a good way to spread the cost of major purchases. But if you only make minimum payments or run up a bill you can’t pay back, credit cards can be costly. Find out more about how credit cards work,...
22, Sep, 2022 | Financial Wellbeing, Uncategorized
Often, there’s a link between struggling with money and poor mental wellbeing. Feeling low can make it tough to manage money. And worrying about it can make you feel even worse. This guide is for you if you think poor mental wellbeing is affecting your money...
22, Sep, 2022 | Financial Wellbeing, Uncategorized
Are you wasting cash on your energy bills? It only takes 20 minutes to check, and it could save you up to £300 a year. You could save even more by being efficient with your gas and electricity usage. Best ways to save on gas and electricity Switching gas and...
22, Sep, 2022 | Financial Wellbeing, Uncategorized
To get a good mortgage deal with low interest rates, you often need a dauntingly big deposit. Follow our step-by-step guide on how to make saving for a house or flat manageable and turn your home-buying dream into reality. Step 1 – Weigh up your options Step 2 – Work...
22, Sep, 2022 | Financial Wellbeing, Uncategorized
It’s a good idea to save ahead for Christmas. Dedicated Christmas savings schemes can help you to avoid dipping into your cash too early and make sure you have enough money up-front to pay for gifts, food and drink. But there are other ways to save too. Read our guide...
22, Sep, 2022 | Financial Wellbeing, Uncategorized
It’s easier to find the best home for your savings and investments with a plan. With a plan you know how much to save, and can keep track of progress. Step 1 – Complete a money fact find Step 2 – Make your investment plan Step 3 – Action Step 1 – Complete a money fact...
22, Sep, 2022 | Financial Wellbeing, Uncategorized
If you’re waiting for your first benefit payment and have little or no money, you might be able to apply for a short-term benefit advance or a Universal Credit Advance payment. This page explains more about advance payments as well as Budgeting Loans and other help...
22, Sep, 2022 | Financial Wellbeing, Uncategorized
Child Tax Credit is a benefit that helps with the costs of raising a child if you are on a low income. However, it is being replaced by Universal Credit and most people who need help with these costs now have to make a claim for Universal Credit instead. This page...
22, Sep, 2022 | Financial Wellbeing, Uncategorized
If your employer goes out of business, what happens to your pension savings? Here we explain the situation depending on the type of pension you have and give you a number to call for more help. Should I be worried about my workplace pension? Is my defined benefit...
22, Sep, 2022 | Financial Wellbeing, Uncategorized
Wondering how to remortgage your home? This guide will take you through everything you need to know about the process, including how much remortgaging your property might cost and what you need to consider before going ahead. Remortgaging at a glance (video) Check the...
22, Sep, 2022 | Financial Wellbeing, Uncategorized
You can pay back your credit and store card debt faster and save a lot of money. Here’s how to do it. If you’re struggling to pay card debt Pay more than the minimum repayment Pay the most expensive card first Get a balance transfer card What are the risks of balance...
22, Sep, 2022 | Financial Wellbeing, Uncategorized
If you cannot pay your rent, don’t ignore the problem. Talk to your landlord as soon as possible. Whether the problem is caused by a change of circumstances, a budgeting difficulty, or a cut in benefits, you can take some important steps you can take to help get...
22, Sep, 2022 | Financial Wellbeing, Uncategorized
Balance transfers can help you to lower the cost of your credit card borrowings and consolidate multiple debts. They could potentially help you lower your outgoings as well. What is a balance transfer? What is a balance transfer? Important Make sure you repay your...
22, Sep, 2022 | Financial Wellbeing, Uncategorized
If you have incurred excessive overdraft charges or other bank fees, you could try to reclaim them or come to an arrangement with your bank, especially if you’re in financial hardship. Start by talking directly to your bank. If that doesn’t work, you might be able to...
22, Sep, 2022 | Financial Wellbeing, Uncategorized
Managing money and making ends meet when you’re on a low income takes careful organisation. So we’ve pulled together some of the best ways to make sure you’re using all the tricks in the book to help you stay in control when you’re on a tight budget. Work out your...
22, Sep, 2022 | Financial Wellbeing, Uncategorized
We all want to pay less for our holidays, without sacrificing our fun in the sun (or snow, or city streets). Find out how to cut costs on your travel, currency and insurance cover. Getting a great deal on your holiday Using a price comparison website When to go and...
22, Sep, 2022 | Financial Wellbeing, Uncategorized
Even a small amount of savings can come in handy and stop you tipping into debt if things go wrong. If you are only just making ends meet, you might think you can’t afford to save, but it’s surprising how you can find small amounts here and there and they soon add up....
22, Sep, 2022 | Financial Wellbeing, Uncategorized
With children’s saving accounts, children learn to manage money – and parents, relatives and friends have a place to save for a child they care about. Get your children into the savings habit How children’s savings accounts work Choosing the right children’s savings...
22, Sep, 2022 | Financial Wellbeing, Uncategorized
Pension scams are on the increase in the UK. Every day fraudsters are using sophisticated ways to part savers from their money and the internet and advances in digital communications mean these kinds of scams are getting more common and harder to identify. A...
22, Sep, 2022 | Financial Wellbeing, Uncategorized
Claiming Child Benefit can give a big boost to your family budget. If you’ve just had a baby, make sure you claim before it’s three months old. Even if you think you won’t be entitled to anything, you should still apply so you don’t miss out on other entitlements. Who...
22, Sep, 2022 | Financial Wellbeing, Uncategorized
Some benefits and tax credits you might be getting now are being replaced by Universal Credit. What this means for you depends on how and when you’re moving from existing benefits. This page tells you the different ways you could switch onto Universal Credit and the...
22, Sep, 2022 | Financial Wellbeing, Uncategorized
In order to plan for your retirement, you need to figure out how much income you’ll get from all your pensions, including workplace or personal plans, as well as the State Pension. It’s actually pretty easy to get this information even for a pension you might have...
22, Sep, 2022 | Financial Wellbeing, Uncategorized
You might be surprised by how much you could save on the cost of your loan by moving it or repaying early – even if there are extra charges for doing so. We take a look at your potential options below for unsecured loans and provide tools to help you compare costs....
22, Sep, 2022 | Financial Wellbeing, Uncategorized
If you’re in negative equity you could find it hard to move house or remortgage. Find out what you can do and the help that’s available. What is negative equity? Problems that come with negative equity Moving house if you’re in negative equity Reducing your negative...
22, Sep, 2022 | Financial Wellbeing, Uncategorized
Building a good credit score, also known as a credit rating, is crucial because it can affect your ability to borrow money or access products such as credit cards or loans. You can check your score for free and if it isn’t in the best shape, there are things you can...
22, Sep, 2022 | Financial Wellbeing, Uncategorized
If you’ve ever forgotten to pay a bill, you know the hassle it creates. Direct Debits and standing orders change all that – they make sure your bills are paid automatically. Find out how and when to use them, what the costs are and how to sort out any problems. Watch...
22, Sep, 2022 | Financial Wellbeing, Uncategorized
If you’re looking for the best deal on your mortgage, gas and electricity or savings account, price comparison sites are a great place to start your search. However, there are a few points to remember before you decide to use one. General rules When should I use a...
22, Sep, 2022 | Financial Wellbeing, Uncategorized
Wondering how to save money on your shopping? From your weekly food shop to your next gadget purchase, here are a few smart, simple, money saving tips. Best ways to save money on shopping Remember your rights Using your credit or debit card Worried about online scams?...
22, Sep, 2022 | Financial Wellbeing, Uncategorized
After the fun of Christmas is over, many of us are left facing a hefty bill in the New Year. It can be hard to avoid using credit to pay for the festive season but saving in the run up will help soften the blow in January. Saving versus borrowing for Christmas Step 1...
22, Sep, 2022 | Financial Wellbeing, Uncategorized
Use these tips to narrow down your search for a savings account – read ‘Next steps’ and then get saving! Tip 1 – Set a savings goal Tip 2 – Know yourself when comparing rates Tip 3 – Use regular savings accounts or fixed term deposits Tip 4 – Be tax-wise Tip 5 – Don’t...
22, Sep, 2022 | Financial Wellbeing
Most of us will need to borrow money at some point in our lives, whether it’s for a student loan, a car, or to pay for a first home. Find out about the range of borrowing products available and explain how to use them best. Borrowing products – what’s available...
22, Sep, 2022 | Financial Wellbeing, Uncategorized
Some credit cards and loans can come with higher fees than other forms of borrowing. Here’s what to watch out for and what to do if you think you’ve been charged unfairly. Late payment charges If you make a payment on a credit card or loan after its due date or miss...
22, Sep, 2022 | Financial Wellbeing, Uncategorized
A secured loan is money you borrow that is secured against an asset you own, usually your home. The interest rates tend to be cheaper than with unsecured loans, but it can be a much riskier option so it’s important to understand how secured loans work and what could...
22, Sep, 2022 | Financial Wellbeing, Uncategorized
If you think you want to borrow some money, be sure you can afford any new monthly repayments on top of your current outgoings. Knowing exactly what money is coming in and going out each month will help you work out whether or not you can afford extra credit. First,...
22, Sep, 2022 | Financial Wellbeing, Uncategorized
If you’re having major money worries, the last thing you might want to do is talk to a complete stranger about them. But it can be the best thing you can do. Where to find free, confidential advice Where to find free, confidential advice Need someone to talk to about...
22, Sep, 2022 | Financial Wellbeing, Uncategorized
If you’re struggling with your mortgage repayments and can’t get back on track – or are worried about losing your home, the temptation may be to ignore the problem. Don’t. Here is what you can do and where you can find help. Step 1 – Contact your lender Step 2 – Check...
22, Sep, 2022 | Financial Wellbeing, Uncategorized
If you want to borrow money and pay back a fixed amount every month, a personal loan is one option. Here’s what you need to think about before you borrow and how to make sure you get the best deal for you. What is a personal loan? What is a personal loan cooling-off...
22, Sep, 2022 | Financial Wellbeing, Uncategorized
Getting a credit card can be exciting, but you need to choose wisely and apply with care. Find out about choosing the right card for you, and how to make a successful application without damaging your credit rating. Choosing a credit card – what to look out for How to...
22, Sep, 2022 | Financial Wellbeing, Uncategorized
A current account is great for managing your day-to-day money. You can receive regular payments such as wages, benefits, tax credits or pensions into your account, and set up payments out of your account in whatever ways you find convenient. What you can do with a...
22, Sep, 2022 | Financial Wellbeing, Uncategorized
Taking the time to manage your money better can really pay off. It can help you stay on top of your bills and save £1,000s each year. You can use these extra savings to pay off any debts you might have, put them towards your pension, or spend them on your next car or...
22, Sep, 2022 | Financial Wellbeing, Uncategorized
Fancy saving a few hundred pounds on your phone and internet costs? Shopping around for better home phone and broadband deals can do just that. Best ways to save on landline and broadband bills Switching your home phone and broadband – the basics The two ways to...
22, Sep, 2022 | Financial Wellbeing, Uncategorized
If you save regularly, you’ll quickly find that your savings add up and keep growing. Get into the habit and watch your money turn into more money. Make saving a habit Do it on pay day Earning interest on interest How much can you afford to save? What about regular...
22, Sep, 2022 | Financial Wellbeing, Uncategorized
Choosing between savings options is easier than it looks. There are hundreds of accounts, but only a few types of account – some for easy access to emergency funds, some for saving regularly and some for growing your money. Take a look at the table to see which suits...
22, Sep, 2022 | Financial Wellbeing, Uncategorized
If your savings goal is more than five years away, putting some of your cash into investments could allow you to earn more from your money and keep up with rising prices. What are investments? Returns Risks When should you start investing? What are investments?...
22, Sep, 2022 | Financial Wellbeing, Uncategorized
Sticking with the same companies isn’t a marriage made in heaven when only new customers get the special offers! So switch and ditch! Big tip If you’re someone with a pre-pay meter, you can still switch! Since April 2016, none of the big six energy companies charge to...
22, Sep, 2022 | Financial Wellbeing, Uncategorized
If either you or your partner has an income of more than £50,000 a year before tax then you’ll have to pay back some (or all) of your Child Benefit in the form of extra Income Tax. You and your partner each earn less than £50,000 per year Either you or your partner...
22, Sep, 2022 | Financial Wellbeing, Uncategorized
Universal Credit is a new benefit to support you if you’re working and on a low income or you’re out of work. This page explains how Universal Credit is different from existing benefits, how much you’ll be paid and how to apply for it. What is Universal Credit? Who...
22, Sep, 2022 | Financial Wellbeing, Uncategorized
You might have one or more different types of pension. Understanding which you have is important because it affects the decisions you need to make as you approach retirement. What type of pension do I have? Your State Pension choices Your pension choices if you have a...
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