We all know how to sock away a few pounds a month, and when it comes to it we have a savings account with a good amount of our earnings stored away in. It’s all good practice for keeping our finances healthy, and yet a lot of us still struggle to make ends meet or to make the hefty bills sort themselves out. That’s when we turn to lending solutions and credit cards; these aren’t bad in the first place, but they can soon turn to the bad end of the scale with usage. And there’s a lot more than your likelihood to get another loan at stake if this happens! View Post

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Go away on your own, they say. It’s the only way to travel, they say. But, what these people don’t tend to divulge is how hard it is to let go and dive into the deep end head first. It isn’t that you don’t want to go travelling and see the world, but that you are scared. Why? It’s because all of your friends live at home and no one wants to feel lonely. Thankfully, there’s no need to land at the airport and spend the next six months alone as finding friends is easy. All you have to do is consider the following. View Post

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There’s a pretty common perception in the modern era that the millennial generation is pretty much doomed never to be able to buy their own homes. For the longest time, it was treated as an assumption that you would leave education, get a job, and then buy a house. But thanks to rising house prices combined with the stagnation of most people’s wages, that’s become a much less realistic ambition for many people. But the question is, is it really impossible for millennials to be able to afford homes? Well, unsurprisingly the answer is a little more complicated than a simple yes or no. In reality, it’s closer to something like a “yes, but…” With that in mind, here are some things that can help you afford a home, even when it might seem like that’s impossible. View Post

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What are finances? Are they a modern God, a magical ticket to gain the objects of your desires, or a form of energy which keeps the society moving and people tied to carrying out important things which must be done? In truth it doesn’t matter how you define finances on a personal level. You will always need them, and you will always need to practice good financial sense to make them work for you, and no the other way around. View Post

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It’s always at this time of the year that we start to think about how we want our futures to look. While some people will focus on their health, and others will set career goals, it’s also a great idea to think more about your finances. Because for many of us, personal finance can be a tough subject. Whether you’re in debt, just making do, or doing okay, you could find that a financial detox is exactly what you need to get yourself into a better position. Even if you’re not bad with money, you may find that this gives your money a bit of a boost. But how should you go about it? View Post