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Imagine the scenario: you've just had a nice Christmas. Your kids are all happy when returning to school to see their friends and tell them what santa brought them. You're happy, because although you've spent a lot on the kids, you've kept a nice amount of savings to do you over the cold and often depressing January that follows. Then, when you try to pay your bills that month you're hit by a bolt out of the blue - you have insufficient funds! Related Article Tags: , , , , , ,
Recent reports from CreditAction and the National Debtline appear to show that UK consumers are becoming more financially aware and are looking to reduce their levels of personal debt which have spiraled seemingly out of control over the past few years. Related Article Tags: , , , , , , ,
According to recent life assurance research by Sainsbury's Bank, many ex-smokers may be paying too much for their life insurance. They assert that during the past 5 years approximately 6.78 million people have given up smoking, however only a quarter of these people have informed their life insurance company. Related Article Tags: , , , , , ,
Private medical insurance is a very useful policy to take out, yet the range of policies available means that you should ensure the terms and conditions meet your specific requirements. Related Article Tags: , , , ,
We take a dynamic approach to our lives, but it's rare that this dynamism extends to our personal finances. Perhaps it's the nature of the beast but, at least in the UK, personal finance is a topic that is off limits in conversation and pushed to the back of the closet whenever possible. It is almost a taboo. Related Article Tags: , , , , , ,
Another year ended, and another round of UK debt statistics. CreditAction has just announced the latest summing up of the personal debt situation in the UK. Related Article Tags: , , , , , , ,
You don't have to have the lifestyle demands of Paris Hilton to need extra money these days. According to Credit Action, the total UK personal debt was 1,122 billion, a growth of about 10.5 per cent over the previous year and in the UK and each adult in the UK has an average of 4.1 credit cards in their wallet. Related Article Tags: , , , , ,
If you think Harry Potter was going to be the most imaginative marketing plot this Christmas, think again. Each Christmas, as consumers look at their finances and investigate the different sources of funding to cover their Christmas shopping, loan companies and credit card providers polish up their marketing tactics and customer service skills. Related Article Tags: , , , ,
Football fans attracted by their team’s affinity credit card offerings this season should defend their financial position by checking out the alternative borrowing deals on the market before signing up, advises data comparison site Moneynet.co.uk. As the Premier League fixtures are announced for the 2008/2009 season, the clubs’ marketing departments will be limbering up to encourage fans to buy their products, but do their affinity credit cards represent deft financial footwork for borrowers - or an own goal?
If you've spent more than your budget can cope with, then maybe you're thinking about credit to help you through January. Many people fear the long, broke month of January. After a lovely Christmas full of joyous smiles January can see a mood swing in the wrong direction. Many of us turn to credit cards to help get through this terrible month. Related Article Tags: , , , , , ,
Credit cards and debit cards are viewed as relatively secure methods of making purchases; however as with any security measure there are people who will try to find their way around it. Various increasingly complex methods have been devised to access bank accounts by obtaining the consumer's details such as scanning and copying the electronic strip on the back of the card to create duplicates which can be used to siphon off funds. Related Article Tags: , , , , , , ,
The Pensions Policy Institute (PPI) has issued a report which supports the Pension Commission's recent demand for reform in the structure of the basic state pension. In fact the report goes further than simply backing the report, it calls for reforms to be implemented more rapidly than the Commission has recommended. Related Article Tags: , , ,
A rise in costs for users of any financial service usually results in public outcry, why is it then that so many of those same consumers allow penalty fees and charges to accrue on their credit cards, when the problem could so easily be avoided? Related Article Tags: , , , ,
The Office of Fair Trading has issued a demand for a change in the law restricting the use of credit card cheques. These cheques have been around for about 10 years and are designed to allow people to transfer funds into another of the cardholder's accounts or make payments using their credit card accounts without the use of the card itself. They have however come under fire for a variety of reasons and are widely disliked by both financial watchdogs and the public alike. Related Article Tags: , , , , , ,
What is the attraction and value of these for users and what are retailers and service providers finding them a useful tool as they strive for online sales?
The online retail sector for products and services has been buoyant for a number of years and the level of resource and funding that major retailers dedicate to the online market surges with each turn of the calendar. Related Article Tags: , , , , ,
According to a study by BizRate Research, 60 per cent of women were already planning their online buying in September, compared to only 42 per cent of men. Women are also reported to carry the burden of Christmas shopping with 55 per cent taking on the responsibility, compared to only 45 per cent of men. However, as more and more retailers go online, women can exploit the internet by saving themselves time, money and effort. Related Article Tags: , , , , ,
My grandpa, who's a Quaker, used to disapprove of the fact that I ventured into marketing, but he's coming round to my way of thinking, even at the grand age of 92. He is suspicious of marketing (in his mind - a term synonymous with extracting money from a gullible party, for the benefit of corporate greed) and doesn't believe in profit, even though profit itself is not a bad thing. Related Article Tags: , , , , ,
Students are often portrayed as being lazy, indolent, or, perhaps most damningly of all: scruffy. But today's students are often more active and involved than their parents, and they demand the rewards that come with this behaviour. Valuable pieces of equipment are de rigueur in many of the UK's student halls; parents having lavished attention upon their offspring in the form of gifts, money and, increasingly, credit cards - cards immediately used to go out and purchase more ... Related Article Tags: , , , ,
Unwanted interest has come from sources including industry regulator, the Competition Commission (CC), following an Office of Fair Trading (OFT) investigation which was in turn sparked by a super-complaint lodged by the National Consumer Council (NCC). Related Article Tags: , ,
Credit can often be the first thing we think of at Christmas, whether it's taking out a personal loan, credit card or simply the extension of an overdraft. However, saving money at Christmas isn't just a matter of searching for the best personal finance product. This article gives you a few tips on how to make the most of the internet for your Christmas shopping. Related Article Tags: , , , ,
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