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A Thorough Guide to Optimising How Your Personal Finances are Arranged

Organising how your personal finances are arranged is essential in achieving your ambitions, optimising your money and realising your goals. In this post we cover the main aspects to consider when arranging your finances including: Reviewing your personal finances; Identifying your financial aims; Savings and investments; Borrowing money and getting credit; Comparing and selecting the best financial products; Planning for the future. Regularly Review Your Personal Finances To ensure that you are getting the most out of your money it is crucial to regularly review the state of your personal finances. A regular financial health check can identify what money ...

Credit Card Security: How to Use Your Credit Card & Stay Safe

In the UK alone, credit card fraud takes a financial toll of about £1,000,000 every day. Even with today’s high-tech anti-fraud security, fraud is still a very real risk. As a credit cardholder, it is important to know how to protect yourself as well as your rights if you do become a victim of fraud. How Credit Card Fraud Happens As anti-fraud technology has advanced, so have the techniques of the fraudsters. Some of the credit card fraud methods are so advanced that they may be impossible to completely protect yourself from though there are some simple methods of fraud ...

Shopping Online: A Guide to Your Legal Rights

As a consumer, you have basic legal rights when making purchases, whether in a store or online. This guide is made to help you understand your rights when shopping online and also how to keep your purchases safe. Laws Protecting Your Purchases 1. Consumer Protection (Distance Selling) Regulations 2000 These laws were passed in the UK to protect consumers making online purchases or other purchases which do not occur in person. The basic premise is that consumers should still expect quality even if they cannot inspect the products before buying. Note that the laws only are applicable to transactions between ...

Store Cards: What You Need to Know

Store Cards: What You Need to Know When you go shopping at major retailers around the country, it is becoming increasingly more common to be asked if you would like to open a store credit card account. These store credit cards can seem very attractive at first. But, before you get lured in by the appeal of plastic, be sure to think your decision over. As with all credit cards, opening the wrong account can cost you on your purchases. The Benefits and Cons of Store Credit Cards Store credit cards are designed for people who frequently shop at a ...

The Beginner's Guide to Credit Cards

If you are new to the realm of credit cards, it is wise to take some time to educate yourself about credit cards before you rush out and apply for a card. While credit cards are easy to get, they are not so easy to get rid of and the wrong choice could leave you paying a high price for your purchases. Where to Get a Credit Card? Don’t get too tempted by all of those credit card offers you receive in the mail. If you want to find the best deals on credit cards, the best place to go ...

The Complete Guide to Using Cashback Credit Cards

For many consumers, the allure of a cashback credit card is great: just put all your purchases on your cashback credit card and you will save money with every purchase! Of course, we know that credit cards are never quite as straightforward as they seem when it comes to benefits. It is possible to earn money by using cashback credit cards but you need to know how to use them to your advantage. Choosing a Cashback Credit Card When shopping for a credit card, you will likely come across a lot of different cashback reward cards. Most of these do ...