Showing posts with label debt. Show all posts
Showing posts with label debt. Show all posts
Wednesday, 6 November 2013
Monday, 14 October 2013
Experian Credit Report - Free for 30 days
Your credit report is one of your greatest weapons when it comes to improving your credit score and getting accepted by lenders. If you've ever felt the frustration of being declined for a bank loan, credit card, mortgage or a phone contract, then viewing your credit report can help you see where the problem is and what you can do to improve your situation.
Many companies charge a monthly fee for accessing your credit report, however Experian are currently offering a 30-day free trial. The free trial will include:
It's free, and it could be just the thing you need to get your finances back on track - so what have you got to lose?
More info about credit scores here.
Many companies charge a monthly fee for accessing your credit report, however Experian are currently offering a 30-day free trial. The free trial will include:
- Unlimited access to your Experian Credit Report & Score
- Expert advice on improving your credit rating
- Help finding finance deals that suit your credit rating
It's free, and it could be just the thing you need to get your finances back on track - so what have you got to lose?
More info about credit scores here.
Monday, 23 September 2013
What is "Jam Jar" Banking?
With the economy still struggling, many individuals and households are finding it difficult to keep on top of their finances. When money is tight, it's all too easy to run out of cash and creep into your overdraft when it gets close to payday.
Jam jar banking is a phrase used to describe a way of managing your money so that this doesn't happen. If you imagine two jars, one labelled "bills" and the other labelled "spends". When you get paid at the beginning of the month, you add up the total cost of all your bills and other out-goings - rent/mortgage, utility bills, council tax and so on - and put that amount into your "bills" jar. The rest goes into your "spends" jar.
Now, every time a bill is due to be paid, the money is taken from your bills jar. Now you can go out and spend money from your spends jar without worrying!
This is the principle behind jam jar banking, also known as managed banking. You can do it yourself using your internet banking, or if you need help getting everything organised, there are companies that will do it for you - for a small monthly fee.
Never get charged overdraft fees again!
Jam jar banking is a phrase used to describe a way of managing your money so that this doesn't happen. If you imagine two jars, one labelled "bills" and the other labelled "spends". When you get paid at the beginning of the month, you add up the total cost of all your bills and other out-goings - rent/mortgage, utility bills, council tax and so on - and put that amount into your "bills" jar. The rest goes into your "spends" jar.
Now, every time a bill is due to be paid, the money is taken from your bills jar. Now you can go out and spend money from your spends jar without worrying!
This is the principle behind jam jar banking, also known as managed banking. You can do it yourself using your internet banking, or if you need help getting everything organised, there are companies that will do it for you - for a small monthly fee.
Never get charged overdraft fees again!
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