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...

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...

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 –...

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...

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...

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...

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....

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...

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...