John Fitzsimons's posts

Why things have got worse for credit card borrowers

If you have a big purchase on the way, then a credit card that offers interest-free spending can be a godsend. These cards some with a set 0% period on the money you spend, meaning you can pay your balance off in manageable monthly chunks. Each and every penny you repay will go towards reducing your debt, rather than a portion of your repayments having to go on interest charges.

The bank accounts people are switching to - and why

Bank accounts can be useful in all sorts of ways, besides simply being a place for your employer to pay your wages or for your bills to come out of. There are loads of different bank accounts in the UK, and while plenty are pretty mediocre, there are some that stand out by offering something a little different.

How to get a better deal on a new car

Driving is a necessity for millions of us, but it’s not exactly cheap. There are so many ongoing charges that come with getting behind the wheel, from car insurance to vehicle excise duty, let alone the actual cost of filling up at the pump.

Will I have to pay stamp duty?

There are all sorts of costs to consider when buying a new house, besides the actual cost of the property itself. There are moving costs, legal fees and of course stamp duty.

How to spot an HMRC scam

The start of April marks the beginning of a new tax year. And while this brings with it a host of unwelcome price and tax increases, it’s also a prime time of year for scammers posing as HM Revenue & Customs (HMRC).

Renters: how to save on your energy bill

Tenants have plenty of extra outgoings to worry about every month, besides the actual rent, and one of the most significant is likely to be your energy bill. However, many tenants are apparently in the dark about whether they can move energy suppliers and switch to a cheaper deal.

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.

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.

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.

Why stretching your mortgage term is dangerous

While mortgages have traditionally been offered over 25-year terms, this has started to change in recent years. According to data from Moneyfacts, the number of mortgages with a maximum mortgage term has jumped from 1,118 to 2,221 since 2014.

Contactless payments: how much can you spend and how to avoid fraud

The way that we spend money has changed significantly in recent years, with far more of us now preferring to pay with a debit or credit card rather than cash. In fact, a study by Equifax last year suggested that around 37% of British people reckon the nation will be essentially cashless within a decade.

Your rights when your airline collapses

If you were planning to head off on your summer holidays with a flight from Flybmi, then the news that the airline has filed for administration will likely be a cause for concern.

The price rises and costs that will hit you in April

April marks the start of a new tax year, and with it a host of taxes and monthly bills that we all pay will be going up in price. Here are some of those outgoings and expenses that are about to become more costly.