September money saving tips

20 pounds notes

Had a nice summer? How was your holiday – did you have a nice time? Any chance your finances aren’t looking so clever after a few months of fun in the sun? Don’t worry if the answer to the last question is yes – plenty of people are in exactly the same position as you. Summer is, after all, the…

Terrible credit card mistakes first-time users easily make

man holding visa credit card

Credit cards allow users to pay for items or services in lieu of cash. However, a person should be responsible enough to understand that the card must not be considered free cash that can be spent with reckless abandon. That is why, for some people, getting a credit card is seen as an important step towards becoming a full-fledged adult….

How do debt relief programs affect the credit score

100 dollars banknotes

Debt settlement programs are typically offered by for-profit companies, and involve them negotiating with your creditors to allow you to pay a “settlement” to resolve your debt – a lump sum that is less than the full amount that you owe. Most debt relief programs and companies exist for individuals and for small business owners. This is simply because many…