Everyone wants to be house proud Whether you admit it or not, everyone wants to make sure their home looks better than everyone else’s. As a homeowner, you will want your house to look better than everyone else’s! And yes, that includes your ‘lovely neighbours’ that are always having more work done to their home. In areas…
Cost-effective solutions for a brighter smile
Cut the cost of dental treatments Often, the cost can be a barrier between you and your dream smile. There are many dental options that are value-for-money and paired with flexible payment options, your perfect smile might be closer and more affordable than you think. Check-ups Check-ups are the cheapest and most common way to…
Sticking to a budget
Sticking to a budget can be difficult, but the following tips on reducing spending may help. Tips to Reduce Spending Sticking to a budget can be difficult, but the following tips on reducing spending may help. Also check out our short term savings plan. Grocery Shopping Plan your menu a week ahead and buy foods…
Short term saving plans that work
It is a good idea to keep some money in a savings account, which you can access fairly easily – say, with just a few days notice. Reasons for Short-Term Savings You might need to spend money urgently on your house, car or on some other expense. You might want to help out a member…
Dangerous debit cards
A debit card is issued in connection with a bank account or building society account. It can be used to make purchases and obtain cash from ATMs. However, if there is not enough money in your account, the card will be refused. Debit Cards A debit card is issued in connection with a bank account…
Getting the right savings account
There are a number of different types of bank accounts available. Choosing the right one will depend on your circumstances and why you want an account. What type of account should I open, and with what bank? There are different types of account such as: current account – account for day-to-day transactions savings account —…
10 top tip when Purchasing a Home
Your home is almost certainly the largest single investment you will ever make in your life. However, it is not just an investment. Its primary function is to provide your family and you with somewhere to live. Step 1 — Budget Usually a deposit of 10% of the purchase price of the house is required…
Saving for Education
If your children are planning to study in the future, it is a good idea to start a savings plan now. Saving for education involves working out costs and the expected timing (take inflation into account), and then working out how much you need to save — either to put aside now as a lump…
Preparing a Will
It is a simple process. A statement of how you wish to dispose of your estate is all that is needed to make a will. Why do I need to make a will? A will is necessary to make sure that your wealth is passed on to the people or organisations you want. It is…
Paying for Care
You may come to the point where you have to consider care facilities — either in your own home or in a residential home. The Social Services department of your local authority manages the assessment of care needs, and the offers of monetary help. Care at home Local authorities can arrange care for you in…