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Rhiannon Philps

Rhiannon Philps

Rhiannon has been writing about personal finance for over three years, specialising in energy, motoring, credit cards and lending. After graduating from the University of Cambridge with a degree in History in 2017, she began writing for start-ups on topics ranging from sports to education, before moving into the finance industry.

The latest from Rhiannon

Stoozing: Free Cash or Debt Trap?

Stoozing is a way of using a 0% interest credit card to allow you to maximise the money you can make on your savings. But there are risks involved with this money hack, so is it worth trying?

Continuous Payment Authority: How it Works

If you have given a company your debit or credit card details to take payment from your account, this is known as a continuous payment authority (CPA).

Can I be a Guarantor with Bad Credit?

Your credit history matters if you want to be a guarantor for a loan. We explain what lenders expect, the kind of credit checks they will need to do and some possible alternatives.

Friend or Foe: Could You Spot a Loan Shark?

As the cost of living rises, loan sharks are lurking online and in local communities ready to pounce on people that are under increasing financial strain. But how can you tell if someone is a loan shark?

What are Pawnbrokers and How do They Work?

Pawnbrokers offer short-term loans secured against the value of an item. The pawnbroker will keep hold of the item until you repay the loan, or sell the item if you fail to pay off the loan.

Entrepreneurs’ Relief: What Is It and How Do I Claim It?

If you are looking to sell your business, or even just part of your company, you should get to grips with Entrepreneurs’ Relief. Now called Business Asset Disposal Relief, it can potentially help you save money on capital gains tax. Find out more below.

Home Improvement Loans With Bad Credit

If you’re looking to fund a home renovation but have a bad credit score, a home improvement loan could be an option. However, your credit history will usually affect the interest rate you’re offered, the amount you can borrow and how likely you are to be accepted.

Are Bridging Loans Regulated?

Bridging loans can be regulated or unregulated, depending on the type of property you need the loan for. A regulated bridging loan is required if you’re borrowing against a residential property, while unregulated loans can be used for buy-to-let and commercial property.

Advantages and Disadvantages of Credit Cards

It’s important to know the potential advantages and disadvantages of credit cards before applying for one. Even though credit cards can be useful, there are some risks to be aware of too.

The Greenest Cities to Run a Business in the UK

As the UK pushes to achieve net zero emissions by 2050, businesses can play their part in improving their energy efficiency and cutting their emissions. But where are the greenest cities in the UK that could provide businesses with the best setting to become more sustainable?

6 Things to Consider Before Getting a Credit Card

Credit card borrowing is on the rise, at a time when many UK households are struggling to cope with the increasing cost of living. But before taking out a credit card or any other form of credit, you need to consider these key points to help you decide if it’s right for you.

Do I Need Employers’ Liability Insurance?

Whether your business has one employee or hundreds of employees, you will almost certainly need employers’ liability insurance. While there are some exceptions, most employers will need to have this cover by law.

6 Benefits of a Business Bank Account

Is it worth having a separate business bank account? Limited companies and partnerships legally need to have a business account, but it’s optional for sole traders. However, there are many potential benefits to opening a business account, as listed below.

9 Types of Business Loans

‘Business loan’ is a term that covers a wide range of financing options. From secured loans to invoice financing to working capital loans, find out more about the many sources of funding that could suit your business borrowing needs.

Can You Open a UK Business Bank Account as a Non-Resident?

Even though it is theoretically possible to open a UK business account if you don’t live in the UK, there are several things you need to consider. Find out more about your options below.

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