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A package holiday is, by definition, a pre-arranged holiday comprising of at least two components booked together, such as the flight to the destination and the accommodation itself. While package holidays can sometimes be more expensive than booking each(read
entire article)
View : 191 Times
Category : Travel & Leisure
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Now the summer is behind us, most of us are beginning to think about the Christmas season. For many, Christmas is a time for panic, last-minute shopping and fights for the last pack of Christmas lights on the shelf. This year, why not be ahead of the game(read
entire article)
View : 86 Times
Category : Destinations
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It's often unclear just how far a creditor can go to retrieve their money from you. Because the lines between reasonable pressure and harassment are so blurred, many debtors who claim to have been harassed have simply been subject to a creditor who knows (read
entire article)
View : 102 Times
Category : Debt Consolidation
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Heating your home isn't so much of a problem in the summer, but unless you're in the habit of only taking cold showers and boiling the kettle every time you wash up, you could be left high and dry if your boiler breaks down. The boiler is a part of the ho(read
entire article)
View : 277 Times
Category : Home & Family
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The past two years have seen credit card companies imposing major interest rate hikes, leaving householders desperately trying to balance their books. The average rate has risen from 14.9% to 16.4% in this time, seemingly as a direct result of companies b(read
entire article)
View : 218 Times
Category : Credit
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Debt collection agency – the words guaranteed to strike fear into a debtor's heart. These companies will buy your debt from your bank or credit card lender, and relentlessly pursue you for the money owed. Approximately £6.5 billion in unpaid debts were(read
entire article)
View : 168 Times
Category : Debt Consolidation
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Many Britons dream of a home in the sun, which is why more and more are deciding to make the most of property developments abroad and buying villas and apartments in foreign climes. Some live there permanently, others prefer to use it as a second home, fl(read
entire article)
View : 157 Times
Category : Travel & Leisure
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Choosing a mobile phone used to be an easy feat – you'd have a plain choice between pay-as-you-go or monthly contract, and either a standard brick or a standard brick with a keypad flap. But nothing stays simple for long.(read
entire article)
View : 38 Times
Category : Mobile Phones
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Part 1 covered the differences between monthly contracts and PAYG deals. This second part will expand on that, and give handy tips on how to compare and switch packages.(read
entire article)
View : 53 Times
Category : Mobile Phones
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Credit card fraud has been around as long as credit cards have. The majority of incidents occur through the internet when a consumer falls foul of phishing scams or less-than-honest websites.(read
entire article)
View : 139 Times
Category : Credit
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Despite the introduction of Chip and PIN in the UK, credit card fraud is on the rise. Millions of Britons fall victim to some form of card fraud every year, but there are steps you can take to prevent it.(read
entire article)
View : 127 Times
Category : Credit
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Having a credit card can be helpful, provided you are careful, and pay off as much of your balance as possible each month. But there are some seemingly harmless things which you should avoid using your credit card for; things that ensure the lender makes(read
entire article)
View : 153 Times
Category : Credit
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Although filling in a credit card application doesn't take long, you can still feel as if you've wasted your time if you get refused. Sadly, because lenders are clamping down, this is a reality which is facing approximately 1 in 14 people in Britain every(read
entire article)
View : 126 Times
Category : Arts & Entertainment
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According to a report from the Office of Fair Trading, interest is calculated on credit cards in several different ways, depending on the company. This means that when comparing credit cards to find the best one for you, you can't just go by one single fa(read
entire article)
View : 103 Times
Category : Credit
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There have been many adverts on the television in recent years, of companies offering to 'repair your credit history' and naturally, many people are being taken in by them. While some of these companies are legitimate and can guide you through the process(read
entire article)
View : 131 Times
Category : Debt Consolidation
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Although banks are, in theory, clamping down on the amount of credit applications they approve, in actual fact they are doing little to reduce the problem for many Britons by offering them a chance to get into further debt.(read
entire article)
View : 143 Times
Category : Debt Consolidation
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Almost everyone will need to take out a loan of one form or another in their life. It's a lump sum which you borrow from a lending company, and pay back in monthly instalments over a number of years, with a little extra to cover the interest.(read
entire article)
View : 106 Times
Category : Loans
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Even though energy costs in the UK have been rising, you can still save yourself pounds each year by following simple yet effective energy-saving advice. Most of the hints outlined here are just common sense when you stop to consider them; but few do. And(read
entire article)
View : 129 Times
Category : Home & Family
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A comprehensive guide about the fascinating (!) subject of home utilities. Includes advice on your bills, suggestions on how to use less energy, and how to find the most energy-efficient appliances.(read
entire article)
View : 58 Times
Category : Home & Family
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Part 1 offered some advice about checking your utilities bill. This second part gives some reasons why it may be higher than you expect.(read
entire article)
View : 63 Times
Category : Home & Family
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So far this guide has covered what your bill means and what might cause it to be faulty. In this final part we'll look at ways of reducing a bill if it's just a matter of too much energy being used.(read
entire article)
View : 56 Times
Category : Home & Family
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Holiday clubs typically have a worse reputation than timeshare, yet still many people fall for the bogus club scams every year. The reason for this is due mostly to the glossy sales technique used to present the benefits of buying into a holiday club; the(read
entire article)
View : 98 Times
Category : Travel & Leisure
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Timeshare basically means you purchase the right to use a particular property for a particular week each year. This is useful if you enjoy visiting the same place over and over but can't afford to – or don't want to – buy your own property there. Time(read
entire article)
View : 102 Times
Category : Travel & Leisure
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We live in a time of technology. Our homes are filled with gadgets designed to make our lives easier, pleasanter or entertaining. The average UK citizen has, at the very least, a TV, DVD player, computer or console, and perhaps a cordless telephone.(read
entire article)
View : 55 Times
Category : Finance
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Most of the nation is in debt to some degree. There's nothing shameful in it, but it can be emotionally crippling to be several thousand pounds in debt and feeling like there's no way out. But there is a way out, if you have the strength to help yourself.(read
entire article)
View : 97 Times
Category : Debt Consolidation
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Summer is the time of year when everything seems to rise; temperatures, parent's tempers – and interest rates. Specifically, the interest rates on credit cards. Card issuers have cottoned on to the fact that most Britons take their credit cards on holid(read
entire article)
View : 42 Times
Category : Credit
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Because of the recent credit crunch, borrowers are choosing to pay more interest on their loans and mortgages in a bid to keep repayments at an affordable level. Borrowing is now being done over a much longer average term than in previous years.(read
entire article)
View : 30 Times
Category : Loans
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Gas and electricity prices are on the up and up, with no signs of stopping. More and more consumers are finding themselves in debt to their suppliers as they find the increased charges harder to cope with.(read
entire article)
View : 108 Times
Category : Home & Family
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Fuel poverty sounds like something from a Dickensian novel, conjuring up images of a family in rags and tatters, huddled around a sparse coal fire trying in vain to keep warm. In actual fact, fuel poverty is a harsh reality for millions of Britons today. (read
entire article)
View : 63 Times
Category : Home & Family
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For the lucky majority of holiday-makers, their stay in a hotel will pass without a hitch, leaving long lasting, happy memories. But for some, they're left feeling like they may as well have booked a stay in a war zone or damp-ridden basement – for that(read
entire article)
View : 93 Times
Category : Travel & Leisure
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If you're looking for a winter holiday with a difference, why not consider the Egyptian city of Luxor? Once known as Thebes, the capital of Ancient Egypt, Luxor is one of the most popular and well-known of all the Egyptian destinations, and with good reas(read
entire article)
View : 61 Times
Category : Travel & Leisure
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Interest rates affect almost every part of our lives, and one of the biggest things affected by rising rates is the mortgage. The type of mortgage you take out will determine which interest rate you pay, which can be high or low depending on the base rate(read
entire article)
View : 78 Times
Category : Mortgage
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It's coming to the time for the new '58' number plates to be brought out in the UK. Motorists everywhere will be clamouring for the latest models, and forecourts will be swamped.(read
entire article)
View : 36 Times
Category : Loans
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House prices have gone through a period of wild fluctuation recently, with the result that many people are wary of buying or selling property. Because of reluctance, or financial inability, to take out a mortgage on a new property, the rental market has s(read
entire article)
View : 28 Times
Category : Mortgage
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Switching your cable broadband provider is relatively easy; but if you're on an LLU service it's a different story. Thousands are flocking 'back to BT', but not necessarily because they want to…(read
entire article)
View : 35 Times
Category : internet
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If you've been refused credit through your bank or a licensed lender, you may be tempted to go down the more dangerous route of borrowing from a loan shark or rogue lender. While it can be a good way to get money fast if your loan applications aren't acce(read
entire article)
View : 53 Times
Category : Loans
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When your utility bill drops though your letterbox, what do you do? Pay it without thinking, trusting your provider implicitly, or do you ignore it altogether, knowing that it's paid by direct debit so you don't have to worry? Or do you pore over it, chec(read
entire article)
View : 120 Times
Category : Home & Family
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If you're looking to get your foot on the property ladder, you may want to save for a while first. The recent credit crunch in the UK has led to mortgage lenders withdrawing many of their cheaper deals in an attempt to discourage all but the most affluent(read
entire article)
View : 60 Times
Category : Mortgage
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House prices have increased to almost quadruple in the last 20 years. In 1987 the average house price was less than £50,000. In 2007 it was over £200,000. That's a scary realisation for any buyer, but for a couple looking to buy their first home it may (read
entire article)
View : 53 Times
Category : Mortgage
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Back in 2007, a new mortgage appeared on the market which seemed like a godsend for first-time buyers – the 125% mortgage. The idea was that you could borrow the full cost of the property, plus 25% more to give you some spare cash. Therefore, a mortgage(read
entire article)
View : 61 Times
Category : Mortgage
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A mortgage which is perfect for one person may be completely wrong for another. What type of mortgage you're best suited to depends on your circumstances and how you want to manage your repayments. Therefore, there is no such thing as one-size-fits-all wh(read
entire article)
View : 62 Times
Category : Mortgage
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The papers and news broadcasts are full of the Government's plans to help the elderly, the disabled or the unemployed, but those who are living on the breadline aren't being considered because they still pay their taxes. It seems to be assumed that as lon(read
entire article)
View : 29 Times
Category : Debt Consolidation
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Forget holidays abroad, some of the best destinations for a well-deserved break can be found right here on our doorsteps.(read
entire article)
View : 71 Times
Category : Travel & Leisure
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Because lenders are cutting back on the amount of loans and credit cards they approve, would-be borrowers are turning instead to their overdrafts. Instead of applying for dozens of loans and risking damage to their credit rating, consumers are relying on (read
entire article)
View : 71 Times
Category : Loans
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The cost of living has risen an astronomical amount over recent years, and is pegged to rise even more. Gas and electricity prices alone are expected to rise by up to 40%, yet salaries are looking at an increase of a meagre 3.7%.(read
entire article)
View : 31 Times
Category : Loans
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Anyone wishing to apply for personal credit may find that their choices are becoming increasingly limited, not to mention more expensive as the average APR rises. Due to the recent 'credit crunch', consumers are finding that not only is it more difficult (read
entire article)
View : 64 Times
Category : Loans
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The capital of Western Australia, the wonderfully diverse Perth offers a bouncing nightlife, sun drenched beaches, maritime adventures and much more. It's the ideal holiday destination for any age, no matter what you're into.(read
entire article)
View : 61 Times
Category : Travel & Leisure
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The capital of Western Australia, the wonderfully diverse Perth offers a bouncing nightlife, sun drenched beaches, maritime adventures and much more. It's the ideal holiday destination for any age, no matter what you're into.(read
entire article)
View : 66 Times
Category : Travel & Leisure
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You may have heard about the thousands of customers who have been reclaiming unfair charges levied by their banks, but what about the charges imposed by your card issuer? The principles for claiming back credit card charges is the same as bank charges.(read
entire article)
View : 35 Times
Category : Credit
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With summer drawing to a close for another year, some people are already beginning to plan next year's holiday. Naturally, for those with a family, the school holidays are the favourite time of year for a week or two in the sun. The problem is, holiday co(read
entire article)
View : 62 Times
Category : Travel & Leisure
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One phrase you may have heard bounced around in financial or property circles is 'offset mortgage'. The word 'mortgage' alone can be daunting to some, yet an offset mortgage can mean financial freedom at a much quicker rate for some homeowners.(read
entire article)
View : 59 Times
Category : Mortgage
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The Royal Institute of Chartered Surveyors are pushing for a change in the current regime governing house buying, deeming it 'unfair' and 'inefficient'. If they are successful, it could mean that first-time buyers and less affluent pensioners will be exem(read
entire article)
View : 33 Times
Category : Mortgage
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More and more school-leavers are heading to further education, and realising for the first time what it's like to cope with your own finances. With the banks throwing student loans and interest-free overdrafts their way, it's no wonder that the average st(read
entire article)
View : 88 Times
Category : Loans
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There's no right or wrong time to visit this well-known US city. Each season sees something happening in New York, whether it be parades, festivals or sporting events.(read
entire article)
View : 116 Times
Category : Travel & Leisure
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More is involved in moving house than the average first-time buyer might think. A mortgage isn't just a large loan which you happen to spend on a place to live; there are many different fees and charges which need to be taken into account when looking for(read
entire article)
View : 53 Times
Category : Mortgage
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The word Bailiff strikes fear into the hearts of many, and conjures up images of burly men breaking into people's houses and taking valuable goods to sell on to recover debts. Sadly, the reality is almost as scary, mainly because not everyone is aware of (read
entire article)
View : 41 Times
Category : Debt Consolidation
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As mentioned in part 1, there are certain goods a bailiff cannot seize to repay your debts. These include anything necessary for a debtor's occupation, such a vehicle, books or perhaps a laptop computer. They cannot take anything which belongs to someone (read
entire article)
View : 33 Times
Category : Debt Consolidation
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