Looking for a new car? Whether you’ve gone for a brand new model or a second-hand purchase, you may need to pay for it in stages with a loan or hire purchase.
With these types of finance, a good credit rating can be the difference between getting a good interest rate or not, or sometimes getting any deal at all.
How much did you spend on your first car?
Many of us will have handed over a few hundred pounds at most just to get our young hands on a car of our own, even if it had seen better days. Well, things have changed these days, witha generation gap when it comes to car-buying habits. One in five 18-24 year olds, rather than buying a used and fairly old car, now chooses to lease their car. This is more than double any other age group, with just 5% of 41-45 year olds, and 6% of 46-50 year olds choosing this type of credit.* Continue reading →
When it’s time for the New Year sales, shops and suppliers are extra keen for our custom.
And there could be some room for a bit of give and take, with shops probably having plentiful stock to shift in the face of the boom in online discounts.
There isn’t much that cannot be discounted, so it’s up to you to persuade them to do it. Remember that you have nothing to lose, as all retailers ultimately want your custom.
Four quick haggling tips:
Before you venture into a shop, find out what the best price is online so you can ask the seller to match or better it. Doing your homework could help you get in a position where you can negotiate a happy middle ground. Continue reading →
A visit to Wimbledon fortnight is, for many of us, a highlight of the British sporting summer, along with the Open and the British Grand Prix.
Most of the tickets for the Show Courts, of course, have long since been sold – that is, if they were ever on sale in the first place, as so many go to sponsors and guests.
Every year since 1924 there’s been a public ballot for advance tickets, as demand for tickets way outstrips supply around four times over. Even if you get a ticket, you can’t request the date or court – you have to accept what you’re given.
Read on for our five top tips for a money-saving day at SW19!
Being a wedding guest should be great fun, but for some of us the ‘wedding season’ can be a source of financial pressure and domestic strife.
In this week’s news, one wedding guest said on the Mumsnet forum she was left ‘utterly gobsmacked’ after being asked to ‘adjust’ the £100 cheque she’d sent, the bride and groom emailing her with the suggestion her gift wasn’t generous enough. The post has so far got over 1,000 replies, the vast majority in support.
An Experian survey* in August 2015 suggested that the rising cost of weddings can rock the boat for many couples, and not just for the bride and groom.
If it’s Olympic year, then it’s Leap Year! And when 29th February comes along, it means of course we’re effectively working an extra day between paydays in the shortest month.
But how much time do we spend working in the UK, compared to other countries? Some research suggests that many of us work longer hours than we need to. A TUC study in February 2015 found that one in five (20.3 per cent) regularly work extra hours for no pay, with almost £32 billion of unpaid overtime in 2014.
In terms of annual leave, how does the UK rank? In total, most employees are entitled to 28 days leave a year – which currently comprises 20 statutory (including pro-rata time off for part-time or temporary staff) and eight paid public holidays. Continue reading →
In the late 1970s, in Experian’s home town of Nottingham, a miracle of sorts took place.
The city’s main football team, Nottingham Forest, had been treading water since its brief glory days in the 1950s and lay in 13th place in the old Second Division when, in January 1975, a big-mouth young manager, the Jose Mourinho of his day, took charge – his name was Brian Clough.
Could your credit history prevent you from getting a mortgage? Experian research has found that more than a quarter of people in the UK looking to buy their first home before 2016 – around 1.81 million people – have missed credit repayments, defaulted accounts and CCJs currently listed on their credit report*. And all of these could prevent them from securing a mortgage.
Managing credit accounts such as credit cards, mobile phone contracts and even some utility services can be important in order to build and maintain a good credit rating.
The Mum and Dad (MAD) Blog Awards are the UK’s biggest and most exciting awards for parent blogs, and this was the seventh edition, with around 300,000 nominations being cast from all over the country. Continue reading →
Visit the London Home Show – 26 September, Queen Elizabeth II Conference Centre, Westminster, 10am-5pm
There are many challenges faced by first time buyers trying to get on the housing ladder, particularly for those without the help of the Bank of Mum and Dad.
First time buyers should not lose hope, however, as there are now a wide range of affordable housing schemes to help people get onto the housing ladder and progress to a larger property. These include: