FriendlyScore writes

Welcome to our blog

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.

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.

Do you need wedding insurance?

You’ve asked the question, got the date set, and are now starting on the process of wedding planning but before you even book a wedding cake trial - should you be thinking about insurance first? From the dress, suits, venue and caterers to the presents, rings and drinks weddings are a very expensive business and if something goes wrong - can prove even more costly.

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.

How to cut the cost of insuring your pet

If your pet is ill or injured and you need to take them to the vets, this will cost you and without insurance you’ll need to have the money upfront to pay. The bill for making your moggy better doesn’t have to bankrupt you and there are ways to cut the cost of insurance - as well as alternative methods of paying.

7 ways to protect your credit score as a student

A credit score is used by lenders to assess the level of risk in lending to you. The better your credit score, the more likely you’ll be offered reduced interest rates and cheaper monthly premiums in the future.

Should you save money even if you're in debt?

If you have credit card debt, a personal loan or an overdraft then you might wonder whether it’s worth saving any cash. After all, the amount of interest you’ll earn on your savings will almost certainly be less than the amount of interest you’re paying on any debt, even if you have a great credit score and are on a competitive rate.