Rebecca Goodman's posts

Can I apply for credit if there's a default notice on my credit history?

If you’re struggling to pay off debt, you may have been issued a default notice by a lender. These appear on your credit file and usually happen if you’ve been unable to make your repayments or you’re making them late on a regular basis. Here we look at what you can do if you have a default and what kind of credit you might be able to apply for with one.

How to find the best personal loan for you

Personal loans can be taken out for any number of things, be it a wedding, new car or home improvements. There are lots of different rates on offer, and before you apply it’s worth taking a look at your finances to see how much taking a loan out will cost you, and how long it’ll take before you can pay it back. Here are five steps to finding the best personal loan for you.

How to cut the cost of travel insurance if you have pre-existing medical conditions

If you’ve just booked your summer holiday, the next step is to make sure you have travel insurance to cover you if you fall ill or you need to cancel. There are hundreds of different policies available but if you have pre-existing medical conditions you could be faced with a big bill. However, you don’t have to pay over the odds and there are ways you can cut the cost.

What is the ISA allowance this year?

You can put £20,000 into a cash ISA in for the 2019/20 tax year, which will end on 5 April 2020. Any money you put into this account will not be taxed, so you’re free to earn interest on it which will in turn boost your savings.

How to cut the cost of cruise insurance?

You’ve just booked your next cruise, checked the weather forecast and are starting to think about what clothes you’ll need but what about insurance? It’s not the most exciting part of a holiday but it could potentially save you a lot of money if something goes wrong.

How do credit builder cards work?

Credit builder cards are a good way for those with poor credit scores to boost their credit history. It’s easier to get one of these cards if your credit score is less than perfect and if you follow the rules and repay the debt each month, they can be a real help in rebuilding your credit score. Here we list the five things you need to know before applying for one.

How young drivers can cut their insurance costs

Young drivers pay the highest average costs for car insurance, of £1,316.62 per year, according to the AA. However, there are lots of tricks and tips for cutting the cost young drivers pay so they’re not left bankrupted by their cover.

Do you need critical illness insurance?

Critical illness insurance is designed to pay out a lump sum if you get one of the injuries or illnesses listed in the policy and you’re no longer able to work.

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.

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.