Money Management

Practical budgeting techniques and advice on managing your personal finances effectively. Articles cover expense tracking, reducing bills, mortgages and maximising credit card benefits.

Are You Receiving All the Benefits You're Entitled to?

You might be missing out on thousands of pounds in benefits you're legally entitled to claim each year.

Avoiding Credit Card Charges

Simple ways to avoid credit card charges like late fees and over-limit penalties that can damage your credit score.

Clearing Credit Card Debt

Here are practical ways to pay down credit card debt, from budgeting to snowballing and consolidation options.

Common Ways We Waste Money

Stop bleeding money on late fees and forgotten subscriptions you're not using.

Credit Card Reward Schemes

Credit card rewards can save you money if you use them carefully and understand how points and cashback actually work.

Extreme Moneysaving Tips

People who are broke use haggling, loose change hunting, and coin jars to cut costs when money gets really tight.

Getting a Mortgage During the Credit Crunch

Getting a mortgage during a credit crunch is harder now, with stricter lending rules, higher interest rates and larger deposits required.

How Safe Are Your Savings?

Your savings up to £120,000 are protected by law if your bank fails, but unregulated savings schemes like Christmas clubs aren't covered.

How to Create a Budget

Take control of your finances by creating a budget that helps you spend less, save more, and understand where your money actually goes.

Monitor Your Finances: Keeping a Diary

Writing down your spending habits helps you see where your money actually goes and break costly patterns.

Quick Guide to Local Exchange Trading Schemes (LETS)

LETS schemes let you trade services with neighbours using community credits instead of money, helping you save while building stronger connections.

Reclaiming Bank Charges

You can reclaim bank charges if your bank charged you more than what it actually cost them to handle your overdraft.

Reclaiming Credit Card Charges

You can reclaim credit card charges if your provider overcharged you, and many people are successfully getting their money back.

Reducing Your Monthly Outgoings

Simple ways to cut your monthly spending without making drastic sacrifices to your lifestyle.

Swapping a Contract Phone to Pay as You Go

Switching to pay as you go could cut your phone bill if you're a light user, but contracts work better for heavy talkers and data users.

The Cash-Only Envelope System for Saving Money

Stop overspending by using cash envelopes to track and control where your money actually goes.