Will interest rate rises leave you struggling with your mortgage?

posted by James in Economy, Priority Household Bills Leave a comment

mortgage interest rate rises

Don’t get caught out by interest rate rises!

There’s been a lot of talk over the last few years about interest rates going up. Lots of opinions and lots of speculation, but what does it mean in real terms? Do you know what would happen if your mortgage increased 2%? Have you got a plan in place?

It might sound quite daunting but it’s better to be prepared. That’s why we’ve covered some of the likely questions you’ll be asking yourself if you’ve got a mortgage and worry that an increase could tip your finances over the edge. But first things first, let’s talk about “base rates”.

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Insulate your home on the cheap

posted by Rory in Budgeting, Housing, Money saving 1 Comment

Insulate your home on the cheap

The snowflakes are real, honest!

Last year I discovered my new flat was about as well insulated as a beach hut.

Every room and window seemed to be letting in a draught but since I’m from Yorkshire I tend to think that as long as it’s above freezing it’s warm enough for shorts.

My other half disagreed and decided we’d have to make the place as warm as we could, for as cheap as possible.

Thankfully another Yorkshire trait means I know how to save a ‘few bob’ so after a quick brew I cracked on with it. Here’s what I did…

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8 frugal but delicious soup recipes

posted by Laura in Money maximising, Wellbeing 1 Comment

Soup

Cheap and tasty winter warmers

As it’s getting colder and the nights are drawing in, one of the perks is snuggling up in your PJs with a hot bowl of soup. It’s even better when you’re watching a trashy show on telly at the same time, but enough about my Saturday nights.  

As well as being good for you, soups are cheap and incredibly easy to make. You can actually get some pretty decent flavours from not that many ingredients.

All you need to get started is some stock cubes and some salt and pepper. A hand blender can come in handy too, which you can pick up quite cheaply in big supermarkets. Mine cost me just under £5 and does the job just as well as some of the more expensive models!

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The ultimate Christmas DIY gift guide

posted by Jenny in Budgeting, Money saving Leave a comment

DIY Christmas gifts

DIY Christmas gifts

Remember when you were a kid and it was perfectly acceptable to give someone the misshapen clay pot you’d made in school at Christmas? I miss those days. Life was simpler back then.

Fast forward 20 years and I’m currently stressing out about buying gifts – and it’s only November. “Tis the season” and all that but unfortunately it’s an expensive season that actually only lasts a day. Can’t we all decide on a universally acceptable amount to spend on each other at Christmas? Is this something we can vote on?

Until my utopia is formed (it’s only a matter of time, mua haha!) I’ve decided to go back to my roots and embrace the DIY Christmas once more (the 6-year-old me would be so proud). The good thing about DIY gifts is that everyone will be touched that you put some thought into their pressie! Luckily for you guys, I’ve put together a list of DIY presents so it’ll save you the time of actually having to come up with any ideas yourself. I really do spoil you!

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Scam alert! Have you had an email notice to appear in court?

posted by Laura in Client stories, Debt 1 Comment

Woman worried about spam email

Have you received a worrying email?

Spam emails containing viruses aren’t a new invention – they’ve been used by criminals online since the dawn of time. Well, since the dawn of the internet at least.

Although there’s more technology to help us spot spam emails these days, unfortunately they continue to wreak havoc in people’s lives. As well as causing fear and playing with emotions, they wreck computers and drain bank accounts.

Luckily, this isn’t something clients tell us they experience often. But when they do, we want to make sure you’re aware too.

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This month’s top ten articles from around the web

posted by Rachel in Budgeting, Money maximising, Money saving 1 Comment

Who made our top ten this month?

Who made our top ten this month?

Now the colder months are officially here, my walk home from work is peppered by the sight of plump squirrels stuffing their cheeks in preparation for the big winter sleep.

It certainly seems like a number of money bloggers are following suit, as we found several fantastic blogposts on how to freeze your favourite foodstuffs and make it last much longer. Every savvy money-saver knows that freezing your food is a sure-fire way to stretch your budget!

Autumn’s also the perfect opportunity for some quality time catching up over food with your nearest and dearest. If you struggle to find the time to have a sit down meal with your other half, we found a smashing list of recipe ideas to try.

From unexpected fines to unbelievably awesome homemade stocking fillers, we’ve seriously got it all this month! Let’s delve in, shall we?

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How to turn your hobby into a business!

posted by James in Debt, Self employed Leave a comment

Turn your hobby into a business

Turn your hobby into a business

In a recent article I wrote about how there are two ways to improve your finances; either cut back on your spending or look at how to make more money. There are only so many ways you can decrease your costs, so I thought it might be worth looking at how to increase your income.

A way to do this is to start a business in your spare time doing something you enjoy.

This can be daunting. There’s a lot to learn and it can take a lot of hard work to get things started. But you’ll be doing something you enjoy and making some money at the same time.

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