National Trust Credit Card

The National Trust Credit Card

The unique National Trust credit card not only offers some fantastic financial benefits, but every time you use your card the National Trust receives a contribution from the card's issuer, MBNA Europe Bank Limited. All without costing you a penny extra!

The National Trust Credit Card offers an outstanding introductory balance transfer rate of just 0% p.a. - available for nine months from the date your account is opened and a typical rate 15.9% APR (variable).

The credit limit is suited to your needs - up to £50,000 is available according to your financial status.

You can also manage your account online - view your balance, credit limit and your last six months' transaction history online, all from the comfort of your home and there is no annual fee to pay.

There is also no liability or excess to pay for theft, loss or fraudulent Internet use - as long as you tell us as soon as your card cannot be found or you notice any unusual transactions on your account.

You can enjoy up to 56 days interest free - on card purchases, when you pay your statement balance in full and on time each month and you are also entitled to free Purchase Protection Insurance - most major purchases between £50 and £1,000 will be covered against accidental damage or theft for up to 100 days if you pay for them in full using your card.

Your National Trust credit card is also now accepted at over 20 million retail outlets and over 630,000 ATMs - in most countries throughout the world.

Finally you get free 24 hour worldwide Customer Satisfaction Helpline - wherever you are, whenever you need them, our Customer Satisfaction Representatives are just a free phone call away.

Summary

With the National Trust Credit Card you will not only receive some fantastic financial benefits but every time you use your card the National Trust receives a contribution from the card?s issuer, MBNA Europe Bank Limited, all without costing you a penny extra! With 0% p.a. on balance transfers for 9 months from the date the account is opened and 15.9% APR typical rate (variable) this is the ideal opportunity to offer support. Click here to apply.

UK Credit Card Spending to Fall

Britons are planning to engage in a little plastic surgery, and cut credit card spending in the next three months to shed their festive pounds.

The latest figures from the Morgan Stanley credit card index show that UK residents expect to spend £645 on their plastic in the coming months, 31 per cent less than the £940 they thought they would spend in the last three months of 2005.

While a fall in the first three months of the year is expected when compared with the festive period, the amount set to be spent is also 11 per cent lower than for the same period last year.

The biggest reduction in spending is set to come on luxury purchases, while spending on everyday items and essentials remains relatively stable.

"Following recent reports of a prudent festive period, our index shows that we can also expect to see a drop in credit card spending over the next three months, particularly on luxury purchases," said Patrick Muir, marketing director for the Morgan Stanley Credit Card.

"Spending on everyday items remains steady, with grocery shopping being the top category for credit card spending."

Morgan Stanley shows that spending on clothes, shoes, hair and beauty is predicted to fall from £73 per person last year to £57 this year.

Spending on socialising shows the biggest fall, down by more than £100 from £177 in the last three months of 2005 to £76 from January to March 2006.

Men still spend more on their cards than women, at £817 compared with £469. Those in their 20s are set to spend the least in the next three months at £557 while those in their 30s are set to spend the most at an average of £719 per person.

To find a cheap credit card go to www.financechoices.co.uk/credit-card-best-buys.html

Neighbours have £32,395 impact on house prices

Changing neighbours can add - or remove - as much as £32,395 from the value of your home, new figures show.

Research from propertyfinder.com reveals that while the perfect neighbours can add more than four per cent to your house price, squatters settling next door can lower it by four times this amount.

The ideal neighbours were seen as a childless couple, followed by old age pensioners. Singles and families with small children could also boost house prices - but not by as much.

On the flip side, squatters remove the most value from your property, followed by students. Families with teenagers and flat-sharers also lower house prices - but by a far lesser extent.

"Students are notorious for having a good time and living in messy conditions, but our results show a greater concern among householders regarding the detrimental effect students can have on the price of their property," said Nicholas Leeming, director of propertyfinder.

"Our neighbours have a very significant influence on our quality of life, especially in urban areas, and increasingly, house hunters are prepared to pay a premium for a quiet, trouble-free life."

Nine UK residents in ten see squatters as the worst neighbours, with close to two homeowners in three seeing students as bad neighbours.

"Slamming doors, arguments and drum kits" were among the things that put families with teenagers third on the worst neighbours list, with 36 per cent of people preferring to not be next door to them.

Young flat-sharers were frowned upon because of their "disruptive lifestyles" with 24 per cent of homeowners seeing them as having an adverse effect on property vales.

To find a cheap UK mortgage go to www.financechoices.co.uk/mortgages.html

Brits 'comfortable' with loan and credit card debt

British households could wipe nearly £30 billion from their personal debts, but many simply cannot be bothered.


By receiving financial advice, ten households were able to reduce their personal debts by £1,215 on average in just three months.

If the same level of success was applied to each of the UK's 24 million plus households then personal debt would be reduced by £29.7 billion.

These are the findings of an ongoing experiment by AXA on the impact that regular financial advice can have on reducing personal debt.

But research indicates that 70 per cent of Britons were not bothered about their debt, including loans and credit cards, because most people have some debt these days.

With the proliferation of cheap loan and cheap credit card deals, four out of five Brits feels it is more acceptable to be in debt now than it was 20 years ago, according to national research by AXA to accompany the project.

And the majority are comfortable with borrowing up to £6,370 ? about 28 per cent of the average national salary; although some would happily borrow as much as £50,000 on loans and credit cards.

The AXA Avenue experiment involves 20 households from Brighton being given advice by independent financial adviser Saran Allot-Davey.

Launched in November 2005, Ms Allot-Davey has spent time with the first ten households and the results from the first quarter of the experiment are now available.

Among the achievements are improved attitudes to finance, with participants taking proactive approaches to clearing debt on loans and credit cards by selling unwanted items on eBay.

Some participants have cut up their credit cards and started using the web to research the cheapest deals from utility providers, while others are now joining pension schemes to secure their retirement.

Ms Allot-Davey said: "The first quarter has been challenging because the focus has been on dealing with managing and reducing debt, however it was vital that we tackled this before starting to look more long term. I believe we have made some good progress so far, with most participants paying much less interest on their loans, having reorganised or consolidated them."

"The best bit for me has been the enthusiasm of the group and seeing how well some have responded to some basic financial guidance. I believe that people are generally apathetic when it comes to managing and reducing their debt and tend to need a catalyst to drive positive financial change."

Credit card offers

Best buy loans

Post Office Credit Card

The Post Office enters the credit card market

The Post Office has entered the credit card field by offering a "two for one" deal, allowing flexibility when paying for large purchases.

As well as being a normal credit card, the Post Office version enables customers to switch money from the credit card account to a loan-like resource, which has a discounted interest rate of 6.8 per cent.

They can transfer up to two purchases between £500 and £2,000 at any one time as long as it is within a month of making the purchases.

David Mills, the chief executive of Post Office Ltd said: "By launching this unique 'two in one' credit card we're setting a challenge to all other providers.

"Offering customers a flexible way of paying for larger purchases at a market-leading, discounted rate is something we believe provides real financial benefits and will shake up the market, challenging other lenders who impose higher rates."

The credit card will have a standard interest rate of between 12.9 per cent and 14.9 per cent and its special joining offer is zero per cent interest on balance transfers and purchases for the first six months.

The Post Office Credit Card

The new Post Office credit card can be used like a credit card or a personal loan, depending on what you're using it to buy.

For normal use, the standard rate is 14.9% typical APR, but for larger purchases of £500-£2,000 you can choose to use the card like a pre-arranged loan, and repay your purchase over 12 months at a lower rate of just 6.8%. Up to 2 purchases at a time can be repaid at this rate, so long as the combined value isn't more than £2,000.

This card also features 0% on balance transfers and purchases for six months, no annual fee, free purchase protection and optional payment protection.

Summary

This really is a great new product from the Post Office, a credit card which can be used for smaller purchases as a traditional credit card borrowing facility or for larger purchases as a personal loan.

A fantastic idea and will prove to be very popular, expect other credit card companies to follow suit and create products similar to the Post Office Credit Card.

Britannia Loans

The Britannia Building Society prides itself on a membership scheme which rewards its customers when it makes a profit. As a mutual building society Britannia has no shareholders to take a cut of the profits. Instead, year on year, it share the profits with its customers through benefits and better deals.

Features of the Britannia Building Society Personal Loan

Personal requirements

• Minimum age: 18


• No minimum income required

Deferments and Breaks

• There is 3 months deferral option available.

Other features

• Britannia loans can be used to consolidate debt.


• Available to UK residents (excluding the Channel Islands and the Isle of Man).
  
• Joint applications are available.


• 50 Membership Reward points for the loan and 50 points for insurance (subject to qualification period and scheme rules).


• If you wish to use the optional courier service, an additional fee, which is currently 45 (plus a 5 levy if you request a specific delivery time), will be payable one month before your first monthly repayment. This additional fee is subject to change at any time and the up to date fee will be notified upon application. 24 hour delivery is only available if you opt for our courier service and arrange your loan by 3.30pm.

How can I compare the Britannia Personal Loan with other UK loans?
To compare all UK loan suppliers and select a loan to suit your needs (and pocket), use our free and impartial Finance Choices loans comparison service. This will ask a few simple questions and search all loans in the UK to give you a list of the best offers available. Find out now if the Britannia Fixed Personal Loan is the best loan for you.

Summary

Not only do their rates take some beating, but, if you want a Personal Loan, you could have a cheque in your hand within 24 hours of approving your application. If you're an existing Britannia mortgage holder, maybe their Home Owners Loan is for you.

If the thought of that money is burning a hole in your pocket, you could have a cheque within 24 hours of your application being accepted for a fee of £45.

No repayments for the first three months. After all, you need some time to enjoy spending your loan!

A loan from £1,000 to £25,000 with optional repayment protection insurance.

What's more, if you're already a member, you'll earn additional Membership Reward points giving you a cash bonus each year.

Britannia Loans

Marks & Spencer Money & More Card

Not so long ago Marks and Spencer did not accept credit cards in their stores, but after some turbulent times, a change of management and direction they now accept credit cards and have even launched their own credit card offer. The M&S brand is more associated with fine food, clothing and other home products but they have a fantastic credit card offer that will be 'even more' attractive to many who shop at this famous UK retailer.

With the Marks and Spencer credit card you can start to save money almost instantly by taking advantage of the 0% balance transfer offer for 9 months. There is also 0% on all purchases for 9 months which make the Marks and Spencer card one of the best credit card offers available in the UK.

However, with so many credit cards now offering a 0% balance transfer offer each deal must try and stand out from the rest and appeal to people in different ways. This is were the Marks and Spencer credit card excels. Included in the offer is a reward scheme that will earn you Marks and Spencer reward points every time that you use the card, you even earn double rewards when you use the M&S credit card in store.

Features of the M&S &More Card

• 0% balance transfers for 9 months


• 0% on purchases for 9 months


• 14.9% typical APR variable


• 55 day interest free grace period


• Commission free foreign exchange (and delivered to your door free, if more than £500 ordered)


• Commission free buy back


• 10% discount at M&S Travel Club


• Earn 1 Marks and Spencer reward points with every £1 spent in store


• Earn 1 reward point for every £2 spent at any other store


• Bonus points redeemable in store (100 points = £1)


• Payment and Purchase protection also available

Summary

Marks and Spencer are known for quality items such as the St. Michael food brand and other quality household items but now with the &More credit card they have one of the best credit card offers that are available in the UK. With a 0% balance transfer and 0% purchases offer that run for 9 months, &More reward scheme, discounts on holidays and also commission free foreign exchange and there is no better credit card package.

Marks & Spencer Money & More Card

Marks & Spencer Loans

Marks & Spencer Loans

Marks & Spencer are simply a phenomenon in British culture. Firstly they were known for their women?s underwear however they have diversified quite significantly since then, now becoming well-known for their high quality food and of course, financial services.

The money section of their website informs you of the products they currently supply in their portfolio with a rich and colourful design. Travel insurance, credit cards and savings products are all on offer in addition to personal loans.

Their current rates for personal loans borrowers are a low six point two percent for those wishing to borrow between ten and twenty five thousand pounds. Now one of the best features of the Marks & Spencer personal loans is your ability to take a repayment holiday. Whilst this feature can be common in mortgage loans it is rarely seen in personal products and is a highly useful feature. Think about it, you have a tight month coming up financially and then something unexpected occurs. This can be anything such as washing machine breakdown when not under warranty, car breakdowns, family emergencies which require some additional spending. It can happen to anyone but when finances have little room for management, especially with the personal loan payment necessary it can be extremely difficult to find the money. With payment holidays allowed you can waive payment and free up some money should you need it. A very well-thought out feature and should be considered for those who want reassurance they can spend the money (which would otherwise go towards personal loan repayment) elsewhere for a month or two if needed.

If you wish to use your personal loan for the purposes of car buying then Marks & Spencer offer additional features for this common use of credit. Here you can defer payment until the end of your loan, thus removing this sum from your loan. Because of this you will not pay interest on that portion, instead paying it in lump sum form at the end of the loan. So if you need a personal loan to buy a car, and anticipate later having finance available for this type of deal it should certainly be considered as it could save your money in interest payments.

Application for one of their personal loans is easy, with an online form available provided you have the necessary details required to fill it in completely.

Summary

• Borrow from £1,000 - £25,000
  
• Low Interest for loan band £7,500 - £9,999


• Fixed monthly repayments


• Competitive fixed interest


• No arrangement fees


• Protect your payments


• 3 Month holiday from repayments

When you need a personal loan visit Marks & Spencer to discover how much you could afford to borrow. You can borrow any amount from £1000 - £25,000. If you are not sure how much you can afford - use the loan calculator to work out how much your repayments will cost. Because repayments are fixed you can plan ahead and once you receive your loan there are no repayments for the first three months - meaning that you can enjoy the benefits of your loan without having to worry about paying it back straight away.

The Marks and Spencer loan site is very well laid out and makes the process of applying for a loan very simple. If you want to apply online there is a list of the details which you will need to provide to fill in the application. Alternatively you can apply over the phone and you will get an instant decision on how much you are able to borrow. To find out more visit Marks and Spencer today.

Marks & Spencer Loans

Cheap personal loan price war erupts

There has been a sudden outbreak of violence on the high street as interest rates are slashed and a cheap UK personal loan price war has erupted.

Online loan comparison site moneysupermarket.com has witnessed a string of providers lower the cost of their loans in the last few weeks.

"A price war for loans has suddenly broken out which is great news for consumers looking for a low personal loan rate," said Stuart Glendinning, director of personal loans at moneysupermarket.

"Moneyback Bank has dropped its loan rate from 5.7 per cent APR to 5.5 per cent APR ? the lowest in the loans market from any of the banks or building societies.

"Furthermore, Halifax and Bank of Scotland have slashed their loan rates from 6.4 per cent to 5.8 per cent APR ? now the lowest rate from the heavyweight big brand banks.

"This follows on from recent activity from cahoot which has effectively topped the best buys for only two days at 5.6 per cent APR and AA which dropped the rate to 5.8 per cent APR from 5.9 per cent APR only last week."

"I have never seen such a frenzy of activity in such a short space of time. Providers are obviously aiming to get the year off to a good start - January is the biggest month of the year for loan applications as consumers look to consolidate debt and sort out their finances.

"The market is now awash with rates below six per cent APR. Speculation of a base rate reduction in the first quarter of this year may have spurred some of this competition."

But while cheap personal loans are good news for Britain's consumers, Mr Glendinning also issued a warning.

"Consumers need to be mindful that only those with an excellent credit profile will benefit from this competition which is the minority of adults in the UK," he said.

"Other customers with a poorer profile will find it more difficult to achieve the most competitive deals based on their circumstances."

To find a cheap personal loan, go to www.financechoices.co.uk/loans-best-buys.html

'Money Sickness Syndrome' affects two in five

More than two UK residents in five have experienced 'Money Sickness Syndrome' - where concerns over finances cause stress affecting the rest of your life.

The physical symptoms of Money Sickness Syndrome can include palpitations, shortness of breath and headaches, a ?tight? feeling in the stomach, nausea and diarrhoea, indigestion, a lack of appetite and poor sleep.

Psychological symptoms of the conditions include irritability and mood swings, general nervousness, poor concentration and forgetfulness, poor judgement and decision-making, and negative thoughts.

And these problems have seen almost four million UK residents take time off work, with another 11 million Britons experiencing a slump in their sex lives as a result of money worries, research from Axa shows.

"Money worries can cause significant problems in relationships, and people who suffer as a result are often in worse health than those who are in control of their finances," said GP and leading mental health expert, Dr Roger Henderson, who identified the condition.

Dr Henderson argues in a report published today that people at all income levels experience Money Sickness Syndrome but its effects differ.

The day-to-day pressure of making ends meet is the foremost concern for some, while others worry over the longer-term pressure of amassing the very large sums of money needed for an extended jobless stretch or retirement.

Dr Henderson concluded: "A quarter of people in debt are receiving treatment for stress, depression and anxiety from their GP. Based on what I see in my surgery every day, I believe a financial education programme can only have beneficial results when allied to sound independent financial advice."

Virgin Money Life Insurance

Virgin - one of the most respected brands in Britain - is now becoming one of the biggest brands of the 21st century. They are involved in planes, trains, finance, soft drinks, music, mobile phones, holidays, cars, wines, publishing, bridal wear - the lot! What tie all these businesses together are the values of business tycoon Richard Branson. They have created over 200 companies worldwide, employing over 25,000 people and with total revenues around the world in 2002 exceeded £4 billion (US$7.2 billion).

Virgin first started off with the Virgin music stores which has quickly developed into a major financial institution. In the Virgin group now you can find a whole host of companies that carry the famous Virgin logo such as Virgin Atlantic, Virgin Mobile, Virgin Trains and of course, Virgin Money. With Virgin Money they have offered one of the best credit cards in the UK at the present time.

Virgin Life Insurance

Virgin offer three types of life insurance cover:

Virgin Life Cover is designed to pay out a lump sum to cover your debts and make sure your family could cope if you died. Virgin allow you to put this plan under trust, which could help your family avoid inheritance tax.

Virgin Mortgage Protector is designed to pay off all or part of your repayment mortgage if you die, so no one?s left worrying about the roof over their heads.

Serious illness cover is sometimes called critical illness cover. Virgin Life allow you to add this to Virgin Life Cover or the Virgin Mortgage Protector.

Summary

Virgin offer a very competitive deal on life insurance. Their quotes are in line with any of the other major high street providers and the no hassle approach to getting a quote means that you can apply in 10 - 15 minutes on their website. The frequently askes questions section on the site helps to cut through the financial jargon and it akes the whole process much less daunting. You can opt for standard life cover or just mortgage protection so you don't have to pay for unnecessary cover that you don't feel that you need.

This is another good value insurance product from Virgin.

Virgin Life Insurance

Capital One Homeowner Loan

Capital One Homeowner Loans

With Capital One, you could take control of your finances today. Homeowners can take out a loan at a low rate of 11.9% typical APR, even if you've had credit problems, and replace all your debts with one affordable monthly repayment.

Or use the funds for home improvement, a holiday of a lifetime, buy a new car, or any other legal reason.

Self employed homeowners are catered for too, as you can self-certify all or part of your income if you don't have any proof.

Summary

Capital One Homeowner Loans are suitable for a wide range of customers, ranging from those with a clean credit history to customers who have had difficulty obtaining credit in the past.

Capital One is a market leader in credit cards. Early in 2005, we acquired Hfs Loans- well known and respected licensed credit broker with over 35 years' experience. Hfs Loans is now fully integrated within Capital One and all marketing material is Capital One branded. We pride ourselves on our expertise and our high levels of customer service.

Hfs is a licensed credit broker, with more than 35 years experience in helping people make the most of their finances. Originally founded in 1969, Hfs was acquired in 2005 by US based Capital One (Europe) Bank - a leading provider of credit cards, with over 3.8 million customers and a wide range of products to suit customers? financial needs.

Capital One Homeowner Loans

AA Motor Insurance

AA Motor Insurance

The AA is one largest motoring organisation's in the UK. with a membership totaling 15 million. The business is now owned by two private equity firms, CVC and Permira. THe AA claim that 4 out of five people will save money with an AA car insurance quote. With its affiliate businesses the AA really can offer you everything you need for safe and successful motoring.

Through the AA car insurance brand the company aims to deliver competitive UK quotes and unrivalled levels of customer service. There are many outstanding features and benefits of car insurance AA - some of the most important we have listed below.

Comprehensive AA car insurance
Third party, fire and theft
Third party AA motor insurance
Up to 15% discount if you purchase online.
The AA will search a panel of 20 insurers to find the most suitable quote
24 hour free insurance claims help line available 365 days a year
A courtesy car while your own car is being repaired
Transfer or accumulate up to 70% no claims discount
Buy online and receive one month?s free insurance.
Fit a Thatcham security device and receive extra discounts
Unlimited cover for manufacturer-fitted audio equipment
European cover for up to 90 days
Members receive further AA car insurance discounts.
Money back if you find a cheaper policy within 21 days
To further clarify the offering made by AA car insurance we have listed below some of the more important features you can expect to receive when taking out a car insurance policy with the AA*.

Accidental damage
Damage to your car and its accessories up to their market value including the cost of towing your car to the nearest recommended repairer and the reasonable cost of its re-delivery.

Driving other cars
Your liability to others while driving a car not owned by you, or hired by you under a hire purchase agreement.

Legal defence
The reasonable costs for legal services to defend a charge of manslaughter or dangerous driving causing death in connection with any accident which might involve legal liability covered by this insurance.

Loss of or damage
To your car by fire, theft or attempted theft.

Medical expenses
Up to £ 300 per person (£ 400 for AA members) for you or your passengers as a result of an accident involving your car.

Personal belongings
up to £ 150 (AA members £ 200) while they are in your car.

Personal injury
To, or death of other people arising out of the use of your car.

Replacement car
For cars less than one year old and first registered in your name, which are damaged beyond 60 per cent of the list price, or stolen, a replacement new car of the same make, model and specification will be supplied, provided a model is available and not out of date.

Foreign use
AA car insurance policies extend to include the compulsory motor insurance requirements for:

Member countries of the European Union
Czech Republic
Republic of Slovakia
Hungary
Switzerland
Cyprus
Iceland
Norway
Slovenia
Croatia
Liechtenstein

Summary

The Automobile Association provides a range of travel and motoring services to drivers including breakdown cover, motoring advice, loans and driving lessons as well as many types of insurance. Insurance is available for your car, home, motorcycle or travel needs. The AA searches a range of car insurers in order to find the most suitable insurance policy for customer?s requirements.

The AA website is well designed and easy to use. Information is freely available and any questions can be answered over the phone. Take advantage of the A-Z index to see advice, information and other products offered by the AA.

AA Motor Insurance

Barclays Car Insurance

Barclays Car Insurance

Barclays Car Insurance is part of the big banking business of Barclays. The bonus of applying with this company is the fact that you are signing up with a trusted and reputable company that banks with all kinds of customers for many different reasons, but the downside is that they do not specialise and cater specifically to motor insurance customers. The website is large and provides a plethora of information that can be difficult to sift through when you are just looking for motor insurance, but they do provide a lot of options. The other problem with this type of insurance provider is the fact that you cannot receive an online quote, but instead have to go out of your way to call their quote line to speak directly with a representative. In fact, it?s very difficult to even find the car insurance section of the website, as most of the site is dedicated to online banking and banking services.

They do provide legal cover with their insurance and allow you to use a courtesy car, but you have to pay extra. If you are looking for a good deal it can sometimes be easy to get lost on a site like this.

You could save 10% if you choose to buy your car insurance online from Barclays. Offering up to 70% no claims discount, claims and legal advice 24 hours a day, repairs guaranteed for 3 years and an instant cover.

Fill in the online application form to obtain a quote for your car insurance, a premium will them be calculated for you, you then have the option to purchase the policy online and pay one lump sum or spread the payments monthly, you can also save the quote and return at a later date. Visit the Barclays website to find out more.

Summary

So you have your pride and joy parked up outside. Who better than Barclays Car Insurance to keep it that way. Barclays offer competitive cover offering value for money with a choice of valuable extra options for an additional cost. Barclays Car Insurance is brought to you by Norwich Union Motor Insurance and, to provide you with added peace of mind, it's underwritten by Norwich Union Insurance Limited, part of the Aviva group - the UK's largest insurer. With a 24-hour, 365-day accident recovery line, swift repairs, it?s well worth a look. As with all insurance, we suggest getting quotes from a number of companies.

For more information visit Barclays now.

Barclays Car Insurance

Young couples cannot afford homes

Large numbers of young married couples are unable to afford a first home, new research reveals.

Alliance & Leicester Mortgages' movingimproving index shows that 25 per cent of married renters would like to get on to the housing ladder, but cannot afford to do so.

Just one pair of married renters in eight of is able to afford their first home, but this still makes them twice as likely to be able to buy compared with singletons who rent.

Unmarried renters are also finding it hard to get on the property ladder, and just one singleton in five owns their own home.

In fact, 17 per cent more single Britons live at home with their parents than in a house of their own.

"Living at home with parents provides many with a great opportunity to save towards a deposit on their first home. For the last three quarters our research indicates a trend towards more men in their 20s staying at home with their parents than moving out," said Stephen Leonard, director of mortgages at Alliance & Leicester.

London, the area of the country with the highest house prices, is unsurprisingly home to the largest number of renters. Almost half of all Londoners (44 per cent) rent.

By contrast, residents of the north-east are most likely to live at home with their parents - and are five times as likely to do so as those in the East Midlands (15 per cent vs three per cent).

To find a cheap UK mortgage, go to www.financechoices.co.uk/mortgages.html

AA Home Insurance

The AA are one of the biggest insurance companies in Britain. They offer excellent deals on home insurance and will give 5% discount for policies bought online. The AA will search a panel of Insurers to make sure that you get the best deal possible to meet your home insurance needs.

Once you have received your quote, you can buy online, or save it and come back later. They even offer a helpline, should you get stuck.

Once a policy has been purchased, you can change it online, should you need to. This means that your home insurance policy will always meet your needs and circumstances ? saving you money and giving you great cover.

They offer buildings insurance, contents insurance and a combination of both.

The key features of the cover on offer from the AA are detailed below:

CONTENTS INSURANCE

• New for old basis
  
• Accidental Damage ? television, video, audio and home computer equipment whilst in the home


• Accidental Damage ? other non-portable electrical/gas appliances (eg microwave)


• Items in course of professional removal


• Furniture in storage for up to 14 days, during course of removal


• Contents normally in the open, within the property's boundaries (excluding storm or flood damage) ? up to £500


• Items temporarily removed from the home ? up to £5,000


• Freezer contents ? up to £500


• Alternative accommodation if house becomes uninhabitable due to an insured peril ? up to total of 20% of maximum sum insured


• Legal Helpline


• Disaster Helpline


• Replacement door and window locks plus alarms/safes following loss or theft of keys ? up to £250


• Money ? up to £300


• Credit Cards ? up to £500


• Guests' personal effects ? up to £250


• Christmas Seasonal Increases ? 10% increase in insured value (1st Dec?6th Jan)


• Weddings Increase ? 10% increase in insured value (one month prior to and after)


• Personal liability, in and out of home ? up to £1,000,000


• Domestic employees liability ? up to £10,000,000


• Occupiers' liability, ie damage to a third party in and around the home ? up to £1,000,000


• Unsatisfied damages (in the event of policyholder being awarded damages but where third party cannot pay) ? up to £100,000


• Legal expenses cover ? up to £25,000


• Loss of heating oil ? up to £750


• Loss of metered water ? up to £750

Extra cover for household goods

• Provides accidental damage cover to your furniture and furnishings

Extra cover for valuables

• Provides accidental loss or accidental damage for your valuables and personal belongings and money up to £300.


• A limit of £1,000 applies for any accidental loss, theft or attempted theft of valuables and personal belongings which are away from your home unless at the time of the loss or damage:


• You or someone with your permission are wearing, using or carrying them; or


• They are stored in a locked building, room, safe, vault or strongroom.

Extra cover for items specified on your policy

• Provides accidental loss or accidental damage for your valuables and personal belongings specified on your policy up to their insured value.


• A limit of £1,000 applies for any accidental loss, theft or attempted theft of valuables and personal belongings which are away from your home unless at the time of the loss or damage:


• You or someone with your permission are wearing, using or carrying them; or


• They are stored in a locked building, room, safe, vault or strongroom.

General Recommendations

• For items in excess of £500 it is recommended that up to date valuations are obtained and kept in a safe place.


• It is advisable to keep a photograph and full description of valuable items, including serial and model numbers, for ease of identification in the event of theft.

BUILDINGS INSURANCE

• Full replacement cost or repair


• Full cover for Accidental Damage (eg putting your foot through the ceiling from the loft)


• Alternative accommodation if house uninhabitable due to an insured peril ? up to £10,000


• Architects, surveyors and legal fees


• Following loss or damage from an insured peril, costs associated with complying with statutory building regulations


• Up to 90 days cover on both properties when moving house (certain restrictions apply)


• Property owners third party liability ? up to £1,000,000


• Legal liability for properties previously owned ? up to £1,000,000


• Legal Helpline


• Disaster Helpline


• Home Emergency Cover that will cover the cost of emergency repairs in a variety of specified situations

Summary

The AA are one of the most recognised and trusted names in the insurance market. AA will search over 10 leading insurers to find you the best home insurance quote they can. Plus, the AA offer a 15% online discount for new customers.

AA Home Insurance

Finance Choices Forum: Hot Topics

The Finance Choices forum is up and running now and there are some great topics for you to chat about. I've hotlinked a couple of the best below:

Do you invest in stocks?

Switching banks: Would you?

How much do you spend on a meal on average?

What are your rules on tipping?

How much in debt are you?

Oil prices in 2006

These are just some of the great topics available so far on our forum. Register HERE to get chatting.

Nature of debt revealed

A fall in income often prompts a descent into problem debt, a new survey reveals.

The Debt Counsellors' Annual UK Debt Survey 2006 looked into the circumstances that led to people coming to their advisers.

The study found that almost half (46 per cent) of the people that approached them owed more than £20,000 with one person in eight (13 per cent) owing more than £50,000.

Life events such as redundancy, divorce, separation, illness and bereavement tended to precede over-indebtedness, but two people in five blame themselves, and attribute their problems to bad financial management and overspending.

Britons approaching debt councillors tend to be young, owe money on credit cards, store cards and personal loans, and are trying to get on the property ladder.

In fact, 91 per cent of cases that debt councillors asses involve credit card debt, 84 per cent involve debts through personal loans and 47 per cent have store card arrears. Just 40 per cent of cases involve people with mortgage problems.

"The fact that many of these debt problems have been caused by bad budgeting, overspending and general poor judgement is evidence that too many people are waiting too long to take advantage of professional advice and debt counselling," said John Porter, a senior counsellor with the Debt Counsellors.

"The level of debt is a real concern and shows that people tend to delay seeking advice until their debts are serious and out of their control.

"Fortunately, there is always help at hand and answers for even the most serious debt problems. There are plenty of options even for those who suffer a drop in income through no fault of their own, because of redundancy or divorce and so on. But the sooner people seek help, the better."

Lloyds TSB Current Account

Lloyds TSB

The origins of Lloyds Bank stretch back to 1765, in 1974 they became known as Lloyds Bank International (LBI) and LBI was itself merged into Lloyds Bank in 1986. In 1995 Lloyds Bank Group merged with TSB Group to form Lloyds TSB Group plc.

Lloyds TSB Current Account

Lloyds TSB offers a broad range of current accounts, as you?d expect from a major high street bank. Specialist accounts such as the Lloyds TSB student and Lloyds TSB graduate packages offer low cost options and plenty of incentives to join up. Lloyds TSB will help you to switch accounts from a different supplier, and even offers a cash incentive to switch and to recommend a friend.

The Lloyds TSB current account classic plus offers up to 4% AER. The actual interest rate depends on the amount you agree to pay in monthly and is only on up to the first £5,000 of balance. Even if you can only pay in less than £1,000 monthly you will still receive the benefits of a normal Lloyds TSB current account. To qualify you will will need to log onto your account online at least 3 times every 3 months. These include commission free travel money, a Visa debit card, easy transfer when you move your account to Lloyds either by banking online or by phone.

Summary

This is a fantastic offer from Lloyds TSB, get £50 when you open an account and you can earn 4.00% AER on your first £5000 balance in their Classic Plus current account - one of the best deals on the high street! All you need to do is pay in a minimum of £2000 per month and log onto internet banking at least 3 times every three months. Even if you pay in a minimum of £1,000 per month you still earn 4.00% AER/3.93 Gross. Other current account options to suit all budgets are available. Just take a look! See terms and conditions.

LloydsTSB Current Account

Egg Credit Card

Egg

Egg are one of the first banks that had a presence online, underwritten by Prudential and launched in 1998. They have become one of the most respected online banks in the UK with the help of some of the best personal finance products in the UK market. They now have over 3 million customers in the UK which is a huge figure when you realise that they only have a presence online, there are no 'bricks and mortar' branches that you could walk into to talk about their financial products.

The Egg credit card consistently offers some of the best deals including a long term introductory 0% balance transfer rate and also 0% purchase rate. These rates are valid to the 1st day of a particular month and are updated every month. With a quirky image and regular cash back and shopping discounts the egg credit card is card that you would be proud to show off.

The Egg Credit Card

The Egg credit card can give some serious relief to your monthly bills! With a great 0% balance transfer offer for 9 months and that is not all, the Egg credit card also offers you 0% interest on new purchases for 6 months . You can check your account at anytime while online and you can also receive up to a 10% discount on selected online retailers like Virgin Wines, Lastminute.com, Currys.co.uk and many many more.

Argos, Asda, Boots, Debenhams, Dixons, Currys, PC World, Homebase, JJB, John Lewis, Marks & Spencer and WH Smith

There is also an anniversary offer where around the anniversary of when you opened your account you'll get 0% interest fixed for up to five months on balance transfers made in the month of your anniversary.

• 0% balance transfers for up to 9 months


• 0% on purchases fpr up to 6 months


• Full online cardholder services access


• Cash back - earn up to 10% cash back (redeemed at selected online stores)


• Free purchase protection


• Internet shopping garuantee


• The reassurance of chip and PIN security

Summary

What can we say? The egg credit card is one of the best credit card offers in the UK today. The best introductory rates available with an additional bonus of cash back, shopping discounts with their online partners, discounts on insurance and a loyalty bonus of 0% balance transfer anniversary offer.

Apply now for your Egg Credit Card

RAC Car Insurance

RAC Car Insurance

The knights of the road offer car insurance to average drivers, with the usual exceptions: imports, modified cars and residents of Northern Ireland. Ordering online nets you a 5% discount and the site promises the best price from a panel of different insurance firms.

• No claims discount protection


• Courtesy car (not guaranteed)


• Legal cover

RAC Car Insurance uses the familiar panel of insurers, but its clout means it can often get cheaper prices than the competition ? although that wasn't the case with our test quotes, which were slightly more expensive than many competitors. The quotation form isn't too scary (although there's a lot of legal bumph to wade through) and the process is nice and fast, but prices aren't as competitive as they could be: our Corsa driver was quoted £498.86, while our 4x4 owner was quoted £454.33. Excesses for both policies were reasonable (£125 and £175 respectively), although other services were cheaper. Policies include a (non-guaranteed) courtesy car, legal cover and optional no claims discount protection.

Summary

RAC car insurance will provide you with up to 3 quotes for you to review and consider after filling in an application. Customers of RAC car insurance receive 12 months cover for the price of 11 months when they purchase their car insurance online.

RAC car insurance provides a great deal of information on their web site to assist UK car drivers even if you are not looking for car insurance. RAC car insurance provides buying advice, car examinations, history checks, information about the types of car insurance cover you can purchase, leasing your car or obtain a loan, car reviews etc. RAC car insurance also provides insurance for classic cars.

Find out more by visiting the RAC website below.

RAC Car Insurance

Virgin Money Cancer Cover

Virgin Money Life Insurance has announced the launch of a new cancer cover product available from £5 per month. In a move aimed at exploiting a gap in the critical illness market Virgin Money says its Virgin Money Cancer Cover will see customers save up to 45% compared to an average critical illness quote. This has been achieved with a severity based approach to cover.

People in the UK have a one in three chance of getting cancer in a lifetime and a one in six chance of getting cancer before the age of 70, according to the Institute of Cancer research. Despite these odds, 65% of Brits have no formal financial arrangements in place to cope with maintaining their monthly income levels if cancer stopped them from working.

To lessen the cost of premiums the Virgin plan uses a staged payments approach. It should also allow a quicker payout of cash upon diagnosis of cancer. The cover will pay a lump sum benefit of up to £500,000, for policyholders to spend on whatever they choose.

Under Stage 1 (early cancer) the payout will be 10% of the amount of sum assured in the event of diagnosis. This rises to 25% at Stage 2 (intermediate cancer). However any early cancer payment related to the same cancer will be deducted (e.g. 25% is reduced to 15% if a stage 1 claim has already been made).

Finally, at Stage 3 (advanced cancer), the payout will be 100% or any remaining balance (e.g. 100% reduced to 75% of the sum assured if a stage 1 and/or stage 2 claim has already been made).

As an example, a male aged 35 next Birthday (and a non-smoker in good health), would expect to pay £23.06 per month for £100,000 worth of cover over a 25 year term.

To find out more visit the Virgin website below.

Virgin Money Cancer Cover

Bank set to keep interest rates frozen

The Bank of England is set to keep interest rates on hold when they meet this week.


The base rate of borrowing in the UK has been steady at 4.5 per cent since it was moved to this level in August.

However, with weaker spending on the high street, high oil prices, and sluggish house price growth, economists feel that the time could be coming when interest rates are cut again.

But this move will probably not occur on Thursday, when the Bank announces what interest rates will be for the remainder of January.

Last month one member of the interest rate setting Monetary Policy Committee (MPC) voted for a 0.25 per cent reduction in interest rates, but his sentiments were not shared by the rest of the nine-member committee - who voted to leave rates on hold.

This month, analysts predict Stephen Nickell will be joined in voting for a cut in interest rates by other MPC members, but that the majority will wait at least until the Bank's February inflation report to cut rates.

The MPC raises and lowers the base rate of borrowing in the UK - affecting millions of mortgages and savings accounts - in an attempt to keep inflation as close as possible to the government's two per cent target.

All 86 economists polled by the Reuters and Bloomberg news agencies predict interest rates will stay on hold this month, although two in three of those polled by Reuters predict an interest rate cut is likely before the end of summer.

Howard Archer, chief UK economist at consultancy firm Global Insight, believes there has not been enough reliable data in the last four weeks to convince the Bank that the time is right to cut interest rates.

"We suspect that developments over the past month have not been decisive enough to drive at least four more members of the [nine-strong] MPC into the rate cut camp in January," he said.

He added: "Given continuing significant uncertainties over the inflation and growth outlook, we expect the MPC to remain on the sidelines in January. Indeed, it is very possible that the situation is still not clear enough for a majority within the MPC in favour of an interest rate cut to be reached in February.

"However, we still believe that a 0.25 per cent interest rate cut will occur in the first quarter of this year, in reaction to continuing lacklustre growth and muted underlying inflationary pressures."

But while economists are predicting interest rates will fall, the British public is more pessimistic.

Despite 16 months without an interest-rate hike, consumers still expect rates to rise, Lloyds TSB said today.

Overall, 61 per cent of Britons think interest rates will rise this year, with just 11 per cent predicting rates to fall.

Trevor Williams, chief economist at Lloyds TSB Financial Markets, said: "December?s data shows that consumers are not expecting the interest rate cuts that are starting to be called for by some within the industry and increasingly expected by the financial markets."

He added that he, too, believed rates are set to rise.

"Calls for a rate cut now are somewhat premature and the next move in base rate is more likely to be a rate hike based on recent evidence from the housing market ? but not until the second half of the year."


To find a cheap UK mortgage, got to www.financechoices.co.uk/mortgages.html

Best credit card balance transfer deals revealed

A new assessment has revealed the best credit card balance transfer deals available at the moment.


Moneynet, a financial information service, places Halifax, Mint and the Post Office at the top of the credit card balance transfer list.

By contrast Tesco, Morgan Stanley and Hilton are all described as cards to avoid when considering moving to a zero per cent deal.

"The balance transfer market is enormously important to credit card firms, and there are currently some excellent deals out there," said Moneynet chief executive Richard Brown.

"For consumers wanting to spread the cost of this traditionally expensive time of year, switching debt to a zero interest card can make sound financial sense ? but some cards offer better terms than others, so it is important to get it right at the outset."

Research for the firm reveals that despite the increase in cards that charge fees for transferring balances, there are still some excellent deals available.

The One Card from Halifax, which offers a 12-month interest-free period and zero per cent on purchases for three months, is ranked as the best on the market by Moneynet.

Mint is hot on Halifax's heels with ten months interest-free and a lower standard rate of interest, while the Post Office offers six months interest-free and no fee.

Tesco?s offer of five months' interest-free period was seen as less attractive, especially when combined with an "uninspiring" standard rate and a balance transfer fee.

"It?s easy to see which way to jump on this one," said Moneynet's Mr Brown.

"A whole year of zero per cent interest from Halifax is the escape route to take. Once you?ve made the switch you don?t want to have to go through the whole process again in a few months? time. Alternatively, take ten months interest-free with Mint and then next January you can transfer Christmas spending from other cards and get zero per cent for a further six months.

"Some prudent research now can prevent consumers from slipping back into the mire of credit card debt before the festive season looms again."

To find a cheap UK credit card, go to www.financechoices.co.uk/credit-card-best-buys.html

Women waste £7.3bn on unworn clothes

British women own £7.3 billion worth of clothes they do not wear, new research reveals.

Churchill Home Insurance finds that more than four women in five women (86 per cent) have bought clothes which have never been taken off the hanger.

In fact, the average British female has 14 items of clothing that have not see the light of day in the last year, with these items costing an average of £21.82.

Totting that up, it means there are £305 worth of clothes hanging unused in the average wardrobe.

And Churchill calculates that, over the course of a working lifetime, the average woman spends a whopping £12,810 on clothes they do not wear.

"The research clearly shows that many householders are guilty of buying new clothes in the sales which will never get worn. However, few are likely to realise how much money they are spending over the years in this way," said Martin Scott, head of Churchill Home Insurance.

And the amount people spend on unworn items is set to soar, with almost two women in three buying the majority of their unworn clothes in the sales.

Additionally, 63 per cent of people have bought clothes a size too small in the belief they will lose weight, with one woman in ten saying this has become a regular habit.

But men are not immune from buying and then not wearing clothes.

British males have an average of nine pieces of clothing each that they have not worn in the last year, with an average price tag of £18.68.

This adds up to a huge £7,901 worth of unwanted clothes over the average working life.

Virgin Money Personal Loans

Virgin say 'build a shed, buy a camel, fly to the moon...' so long as you use your Virgin loan for legal purposes they really don't care! Virgin loans are available with or without payment protection cover. You will get a decision on your loan the next working day or even within 15 minutes of applying!

In today?s competitive loan market place, Virgin Loans offer a great deal. Whether you want £2,000, or £25,000, Virgin Loans can sort it for you. With a typical APR of just 6.5%, you won?t find much better on the high street.

Virgin Loans offer the optional extra of Payment Protection Cover. The money will normally be in your account within 5 working days, but Virgin can get the money to you sooner if you need it!

Apply online and get confirmation from them the next working day, apply on the phone and get an answer in 15 mins.

Summary
In 2004, Virgin won the 'Best Direct Personal Loan provider' award from 'Your Money' Magazine awards. Virgin offers no-nonsense upfront personal loans, with a typical APR of 6.9% one unsecured loans between £3000 and £25000. Build a shed, buy a camel, fly to the moon? the money is yours to use. Furthermore, if your debt is getting you down, or is too complex to manage, it could be worth rolling it into one repayment to Virgin.

If you need to move fast don't worry. Virgin offers a fast service. We'll get you your cash just like that. If you apply online, we'll try our hardest to give you a 'yes' the very next day. Typically the money will be with you in five working days, but if you need it quicker, just let us know.

Offering you the option of paying over a 12-72 month period, and with the possibility of covering yourself with payment protection insurance, Virgin could provide the perfect solution to your financial needs.

Also, if you are using your loan for a car, you could save money with Virgin cars. No funny stuff, just money stuff, with a Virgin loan.

To apply for your Virgin loan visit Virgin now.

Virgin Loans

Halifax Home Insurance

About Halifax
Halifax was based in the town of Halifax and set up as a solution to provide working men a means to club together to buy land and build themselves houses. In December 1852 the Halifax Permanent Benefit Building Society was formally established. Over a century later the advent of computerisation heralded an era of rapid change and innovation. The business of the Halifax was transformed - accounts were handled electronically and filing systems automated. In 1987 new legislation allowed building societies to increase their range of financial services and Halifax steadily diversified into personal banking, stock broking, insurance and estate agency. In its more recent history Halifax first merged with the Leeds Permanent Building Society before acquiring Clerical Medical. It then converted from Society status to PLC status. The latest chapter in its history is its merger with Bank of Scotland to for HBOS.

Halifax Home Insurance
Halifax home insurance comes from one of the UK's most respected names, and premiums are reasonable. However, we encountered a glitch in the site: the premium quoted for our urban couple was for buildings insurance instead of contents insurance.

• Home insurance


• Buildings insurance


• Contents insurance


• Accidental damage insurance


• Legal insurance

Halifax home insurance offers the usual range of policies and the usual disclaimers: if you use your home for any business purpose you won't be able to apply online.

The quotation process is exceptionally fast and produced a reasonable premium of £304.78 for our suburban family, but we encountered problems getting a quote for our urban couple: the premium was for buildings, not contents insurance, and we couldn't find a way of persuading Halifax to give us a quote for contents-only insurance.

If you can persuade the Halifax home insurance site to give you a quote, premiums are based on a standard £50 excess; you can increase this amount to cut the cost of your premium.

Summary
When you are shopping for home insurance take a look at the rates offered by the Halifax. Getting a quote is easy: to make the process as quick as possible, Halifax has set out a list of conditions which you should read through before you start your quotation. If you agree with the conditions you can proceed. Simply fill in the web form with details concerning your requirements including details about the property to be insured as well as how many people are living there. If you are a member of a neighbourhood watch scheme or have fitted extra security measures, you may be eligible for a discount. Halifax will then provide you with an instant quote in less than a minute. If you are still comparing companies you can save this quote for up to seven days.

The Halifax site is easy to use and provides plenty of information. There is a summary of cover which you read through and if you are confused by any of the information on the site you can call 0800 032 1752 to speak to an advisor.

Halifax Home Insurance

Finance Choices Forum: Hot Topics

The Finance Choices forum is in it's first week and already there are some great topics for you to chat about. I've hotlinked a couple of the best below:

Are you a credit tart?

House price predictions for 2006

Should savings be compulsory?

Do you inflate your savings?

Stock predictions for 2006

Should wealth be redistributed?

These are just some of the great topics available so far on our forum. Register HERE to get chatting.

Finance Choices Discussion Forum

2006 sees the launch of the brand new Finance Choices Discussion Forum. The forum exists to enable discussion of the latest financial products and issues. The forum consists of numerous categories, including:

Credit Cards - Discuss the latest offers, tips and techniques for getting the most from your cards.
Loans - Learn about the different types of loans and discuss the latest offers on the market.
Budgeting - Learn and share tips on how you can manage your finances better.
Tax Reduction - Everyone hates the tax man so use the Finance Choices forum to see how you can legally reduce your tax burden.
Jargon Busting - Use the Finance Choices forum to help cut through the financial jargon.

The forum is free to use so register HERE and join the community.

Top 10 tips for a prosperous 2006

While millions of Britons are attempting to lose the Christmas weight, and getting into shape is set to be the number-one new year's resolution, we are trying to help you save pounds not lose them.

Our top ten tips

1.Pay off and cut up store cards - these can charge interest of almost 30 per cent on purchases, more than double a standard card and four times as expensive as the cheapest flat-rate cards available.

2.Avoid paying fees for using credit and debit cards while you are abroad - UK consumers paid £500 million pounds in 2005 in foreign currency fees. Some providers do not charge them.

3.Check how the payments you make to reduce your credit card bill are used - Most credit cards apply your payments to your most expensive debt last, not first. This means you end up paying more. Nationwide, HSBC and First Direct do not do this.

4.Avoid using charging cash machines - Consumers will pay £250 million, in 2006, to withdraw their own cash from the 24,000 charging machines in the UK.

5.Borrow at the cheapest rate available - taking into account interest rates and fees - consider consolidating your debts over a fixed period - personal loans can provide a low cost structured way to repay debts.

6.Check that savings are earning a good rate of interest - if not, move the money to another account. This applies to current accounts, too. Some banks pay as little as 0.25 per cent on £10,000 in some savings accounts

7.Consider remortgaging - it's often easier than you think and can save a lot of money. If you have a 'Standard Variable Rate' mortgage you could be paying 6.50 per cent interest. Someone with a £100,000 repayment mortgage could save £450 a year by switching their mortgage, that's more than £11,000 over the lifetime of their mortgage.

8.Make a list of all debts and tackle the most expensive first - be sure to take into account the value of the borrowing, the interest rate and any fees and charges.

9.Ensure that you save your money in the most tax efficient way possible - Individual Savings Accounts (ISAs) are a way of saving up to £7,000 a year that you don't pay tax on. Make sure that you pay in your annual allowance by April 5th.

10.Don't waste money by joining a gym: many people sign up to contracts and then don't attend very frequently - Gyms and fitness clubs will commonly cost hundreds of pounds per year and contracts can be lengthy (and therefore expensive), go for a jog and put the money into a savings account, instead.

The new Finance Choices reminder service

The financial companies rely on luring you in with attractive introductory offers and then hiking up the charges once that period ends and relying on you to not change your supplier. The aim of the Finance Choices reminder service is to alert you when your introductory period is coming to an end so that you can be proactive and save yourself considerable sums of money.

How does it work?
It's really simple. All you need to do is sign up (for free) and start to input your reminders. You can set the time and date your event occurs plus the period prior to it that you wish to receive your reminder.

Like the rest of Finance Choices the service is completely free so you can input as many reminders as you wish for credit cards, bank accounts, mortgages etc.

What do I do now?
To sign up to the service simply click this link HERE and enter your email address. Then enter the alerts you wish to receive, the dates you wish to receive them on and the message you'd like to receive. I recommend you set your alerts for 6 weeks before your offer ends, as this allows you good time to sign up for another offer and transfer funds across.

And this is definately free?
Yep. Your details won't be used for adverts or sold or anything like that. I won't kid you guys though. I would love you to come back to Finance Choices and use our best buy tables to pick your next offer, so there is a link included with each email to the Finance Choices website.

SIGN UP NOW TO THE FINANCE CHOICES REMINDER SERVICE