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Welcome to our blog

What can companies do with your data?

It’s been said that data is the new oil. Not everyone agrees but it’s certainly true that data is a powerful commodity that businesses are willing to pay a lot of money to get hold of. So what is your data? It’s everything from your name, location and spending power, to the number of children you have, what kind of holidays you take and whether you use credit cards.

The One Thing You Should Do To Improve Your Finances.

Pete is never sure why his personal finances are in such a muddle. He tries hard to keep his spending under control and pays the minimum amount on his credit card each month without fail. However, his debts seem to be rising, and he feels as though he is running fast and not getting anywhere.

How to apply for credit for the first time

If you are applying for credit, be it a credit card, mortgage, overdraft or even insurance policy, the lender will check your credit history before making a decision on whether to approve the money or not. You will usually need to have a good credit history, and score, in order to be approved but if you’ve never had credit before, how do you go about applying?

Don't pay over the odds for landlord insurance

Standard home insurance usually won’t cover you if you rent your house out to tenants, therefore it’s worth looking into landlord insurance. It provides protection should anything go wrong in the property.

How to haggle a cheaper price on your broadband bill

Loyalty doesn’t pay when it comes to broadband and if you’ve been with the same provider for a while you’re probably overpaying. In fact, you could be paying £220 too much every year, according to consumer group Which? but you don’t have to pay over the odds for your broadband package and haggling is a really easy way to cut your monthly costs.

Gap year booked? Make sure you've got the right cover

You’ve booked your around the world flights and you’re starting to plan your gap year but before you start packing your bags it’s important to make sure you have insurance in case something goes wrong.

Why there's more to a good mortgage than a low interest rate

When you’re buying a property, working out which mortgage is best for you is a big decision. For many people, the main thing they look for is the interest rate, as this will play a big part in determining how big the monthly repayment will be.

Where can I find a free help to get out of debt?

If you’re struggling to pay off your debts and having problem meeting your monthly bills there is free, independent help available. The first step to getting out of debt and back on track to being in the black is looking at your finances to find out where you stand. Here we’ve listed the steps to follow to get out of debt.

Negative equity: what is it, and how to avoid it

House prices fell by almost 3% in January according to the Halifax house price index, while over the last three months they have dropped by around 0.8%. With Brexit almost upon us, and the potential difficulties that will bring, it can be a nervy time for homeowners.

Should cyclists have insurance?

Should people riding bicycles around cities and towns be required to take out insurance, much like drivers are? It’s a question that comes up relatively frequently, often in the context of angry motorists complaining about people on bikes.

How to find the best deal on breakdown insurance

Breakdown insurance does what it says on the tin, if you’re out in your car and it breaks down, the policy will cover you to have your motor repaired and to get you back home. There are different levels of cover available and the kind you buy will depend on the age and condition of your car, along with your own driving experience.

The bank accounts that pay the highest rates of interest

Bank accounts come in all sorts of different forms. There are some that are particularly good for people that are at risk of overspending, as they have fee-free or interest-free overdrafts, while others reward users with all sorts of additional benefits, like travel insurance, in exchange for a monthly fee.

How does bike insurance work and do you need it?

If you’re a keen cyclist you may have considered buying insurance to cover your bike if it’s stolen, damaged, or lost. Your bike may already be covered on your home insurance policy but if not there are a wide-range of specialist policies available to buy. Here we outline the main things you should be looking out for before you buy.

How to cut the cost of mobile phone insurance

Mobile phones are expensive and if you’ve got one of the newest models it can set you back around £1,000. Therefore if your phone is lost, stolen, or damaged you can end up paying out a lot more if you need to replace it or get it repaired. This is where mobile phone insurance comes into play and here we explain the best way to buy it without getting ripped off.