Personal ISA

Do you ever wonder where your money goes every month? Does it sometimes seem as though you cannot afford to do things because your financial obligations are holding you back? If you find that you are asking yourself these sorts of questions, perhaps you should take a look at your financial situation and assess whether [...]

Americans tend to have an optimistic view of retirement-but a recent poll found many people still have a lot of work ahead of them before they can leave their jobs.
For instance, 47 percent of respondents said their retirement savings will last them 10 to 20 years. Those numbers seem promising until you consider that [...]

The Commons Trade and Industry committee has stated that the recent rises in UK gas prices has lead to increased suffering by many of the most exposed groups such as the elderly and, “non-elderly vulnerable groups, particularly disabled people, whose difficulties in relation to fuel poverty have been known for a long time”.
A lack [...]

These days it seems that all of us use some sort of bank; most often we will have a savings account along with our checking account.
Mostly we have good intentions of leaving the money in the account to draw the interest we intended when the account was opened and gain profits, but if youre [...]

Banking and savings customer service and reputation forefront in decision-making.
52% of us have moved our savings because we were unhappy with customer service, according to the latest moneyfacts.co.uk user polls. 42% of us have avoided a particular account provider due to a friends bad experience.
With bank account providers, 46% of us have moved [...]

Do you find that keeping control of your finances is becoming increasingly difficult?
In todays society, advertisements bombard us with offers which encourage us to Spend! Spend! Spend! With promises such as-
Easy Credit!
Pre-approved loans!
3 years interest-free credit!
Free gift when you apply!
To most people this can all seem rather tempting, given the current live [...]

Many people want to file bankruptcy the moment they realize they are in over their heads, and they feel like there is nothing they can do to get out of debt. Bankruptcy however, should be used as an absolute last resort- after all other options have been thoroughly researched and exhausted.
Before making the decision to [...]

With an ever-increasing level of personal debt being reported, along with record numbers of bankruptcies and insolvencies, it’s no surprise to anyone that money is becoming a big problem for thousands if not millions of people.
Most of us would equate ‘money problems’ with ‘debt problems’, and indeed servicing high levels of debt is a major [...]

Critical illness insurance:
Critical illness insurance will cover you in the event of a serious illness such as cancer, coronary artery by-pass surgery, heart attack, kidney failure, major organ transplant, multiple sclerosis and stroke. Additional conditions covered by this insurance can include aorta graft surgery, benign brain tumour, blindness, coma, deafness, heart valve replacement or repair, [...]

Savings. Pay yourself first. Start now stashing 10% of your income in an Emergency savings. Dont use it for anything but real emergencies. Keep a For Sure savings account for yearly expenses you know are coming and you can estimate (e.g. Christmas, insurance, taxes, etc.). Also have a Buy Stuff account. If you do, [...]