Rhiannon Philps

Rhiannon Philps

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?

Rhiannon Philps

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.

Rhiannon Philps & Connor Campbell

If you are looking to start, grow or expand your business, you may need some financial assistance. Small business grants and start up business grants in Northern Ireland can do just that. Find out what kind of help is available below.

Rhiannon Philps

Energy prices have skyrocketed over the past few months and they show no signs of stopping any time soon. But why exactly are energy prices rising and what could be the best thing for you to do?

Rhiannon Philps

There are now more ways to buy now and pay later after the launch of the Klarna Card in the UK. With a tap of the card at a checkout, you can delay payment for up to 30 days without paying any interest or fees.

Rhiannon Philps

Loan sharks are illegal lenders who are not authorised or regulated. They may charge high interest rates and use threats and intimidation towards anyone who borrows from them. Find out how to spot and report a loan shark.

Rhiannon Philps

If you are behind on your secured loan repayments, you may be worried about losing your property. But if you get help early on, you may be able to avoid your property being repossessed.

Ruth Jackson-Kirby & Rhiannon Philps

Credit card debt can quickly mount up, leaving you wondering how to pay it off. Read on to learn how you can pay off your credit card debt and the steps to take if you can’t afford the repayments.

Rhiannon Philps

Saving energy doesn’t need to be complicated. There are some simple ways you can reduce your energy usage and save money on your energy bills, including using LED bulbs and switching suppliers.

Rhiannon Philps

You can continue to use gas and electricity even if your energy supplier goes bust. Ofgem will allocate you a new supplier and your account will be transferred. Read on to find out what will happen and what you need to do.

Rhiannon Philps

The energy price cap is set by energy regulator Ofgem and aims to limit the amount that energy providers can charge consumers each year. However, from 1 October 2022, the cost of energy has been limited by the Energy Price Guarantee.

Rhiannon Philps

Every town and city can offer something different to a business, whether that’s a perfect location, industry expertise and guidance, or financial support. Find out the 10 best cities in the UK to start a business, based on a range of factors.

Rhiannon Philps

Use our personal loan calculator to get an estimate of how much you could afford to borrow and what your monthly repayments would be.

Rhiannon Philps

A car warranty covers the cost of the repair bill if you need to fix a problem with your car. It will often cover parts including the engine, gearbox, suspension, brakes and steering, although details will differ between policies.

Rebecca Goodman & Rhiannon Philps

Paying off a loan early can be a huge weight lifted from your shoulders, but there may be penalty fees and interest charges to pay.

Rhiannon Philps

Our NerdWallet survey looks at how people have been using their savings and how they think their spending will change once Covid restrictions end completely. We also see some of their attitudes and views on the UK’s economic recovery.

Rhiannon Philps & Laura McMullen

If you’re looking for ways to make some extra money, you may be considering joining an online survey site. But what survey sites are available and how much can you really earn from them?

Rhiannon Philps

Free one-day delivery and video streaming are just some of the features of an Amazon Prime membership, which you can get for just a £79 annual fee.

Rhiannon Philps

Conditional sale splits the full cost of a car into monthly payments, which you will repay over an agreed term. Unlike other forms of car finance, you will automatically become the owner of the car once you have made all the repayments.

Rhiannon Philps

The breathing space scheme, or Debt Respite Scheme, offers people struggling with problem debt some legal protections from creditors while they seek professional debt help. There is a special breathing space scheme for those receiving treatment for their mental health.

Rhiannon Philps

To create a budget, begin by dividing your income between needs, wants, savings and debt repayments, using the 50/30/20 plan for guidance.

Rhiannon Philps

Leaving the EU has resulted in many changes to online deliveries, travel, and mobile roaming charges, with potential impacts on other areas of the UK economy. In this guide we look at how Brexit may affect you and your personal finances.

Rhiannon Philps

If you have an emergency breakdown and no cover, you can call a breakdown provider to get cover and immediate assistance, contact a nearby garage, or use an emergency phone if you’re on a major road. However, these can all be expensive options.

Laura Whitcombe & Rhiannon Philps

Freezing your credit card interest and charges can help you tackle debt. You’ll continue making payments and be able to clear what you owe more quickly.

Rhiannon Philps

The best small business apps offer many helpful tools, but what are some of the most useful apps for businesses and what features do they offer?

Rhiannon Philps

The Financial Independence, Retire Early (FIRE) movement has gained traction over the years as more individuals look to save enough money to be able to take early retirement. But what does it involve and how accessible are its aims?

Joel Kempson & Rhiannon Philps

When you apply for a loan, lenders will assess your application to see if you meet their eligibility criteria. Find out what you can do to boost your chances of approval.

Rhiannon Philps

A recession can be a worrying time for many, but you can take a number of precautionary measures to prepare you for any future difficulties. From cutting spending to paying off debt to building up an emergency fund, find out how you can start to protect your money in a recession.

Rhiannon Philps

How can recent graduates looking for work in the midst of a recession improve their chances of securing a job? Read on to find out how you can adapt to the challenges posed by the economic situation and boost your job prospects.

Rhiannon Philps

If you’re in negative equity on your car finance it means you owe more in repayments to your provider than the current value of the car you’re driving. Negative equity occurs quite often with new cars because they depreciate quickly.

Rhiannon Philps

If your house no longer suits your needs you have two choices: renovate or move. Both of these options can cost a lot of money, so we discuss when you might consider them and how you can fund your decision.

Rhiannon Philps

As the country tries to recover from coronavirus, increasing numbers of buyers and renters are showing interest in moving out of London and other big cities. We look at why this is happening and what people considering a move will need to think about.

Rhiannon Philps

This guide explains the housing rights for tenants and landlords during the COVID-19 pandemic. If you cannot afford to make rent or mortgage payments because your financial circumstances have changed, find out the temporary housing support the government has put in place for tenants and landlords.

Rhiannon Philps & Brean Horne & Tim Leonard

Stamp duty is a tax you pay when buying property in England and Northern Ireland. How much stamp duty you pay will vary depending on whether you’re a first-time buyer and the value of the property.

Rhiannon Philps

There are several different types of car finance available which can make it difficult to decide which is the best one for you. From hire purchase to PCP to leasing, we explain how each car finance option works and the pros and cons.

Rhiannon Philps

Cars need regular care to make sure they perform at their best, particularly if you’re not driving them as often. Disuse can create problems for your vehicle, but with just a few checks and actions you can minimise the risk of these issues happening.

Nic Redfern & Rhiannon Philps

The Bounce Back Loan Scheme was set up by the government to help businesses get financial support during the Covid-19 pandemic. It’s now closed, but you can find out more information about how to repay these loans through Pay As You Grow (PAYG).

Rhiannon Philps & Brean Horne

Buy now, pay later schemes can be a handy way of instantly buying an essential item, but look a little deeper and you might find some nasty interest rates. Read on to find out the dangers of these schemes, the associated charges, when they can be useful and alternatives to these schemes.

Rhiannon Philps

For those struggling to pay their mortgage because of the effect of COVID-19 on their finances, providers are offering a mortgage payment holiday to help relieve the strain.

Rhiannon Philps

The Coronavirus Business Interruption Loan Scheme is a government-backed scheme that aims to encourage lenders to approve credit applications from businesses that are affected by COVID-19.

Rhiannon Philps

The 2021 Budget extended the furlough scheme, VAT and business rate reliefs, and the universal credit top-up, and also launched new schemes like Restart Grants, Recovery Loans and the mortgage guarantee.

Rhiannon Philps & Connor Campbell

Small business grants and start up business grants can provide the injection of funds needed to take your organisation to the next level. There are an array of options available across sectors and regions, from UK-wide opportunities to grants specific to each of the home countries

Rhiannon Philps

Homelessness is a debt that we all pay for as a society, but you don’t find it on a balance sheet – let’s explore some of the costs associated with homelessness.

Rhiannon Philps

Many people regard veganism as an expensive lifestyle choice, but is there any truth in that claim?

Rhiannon Philps

In the first of our Expert Insights series, Joe Howard, a business insurance specialist discusses the common misconceptions that cause problem for SMEs.

Rhiannon Philps

Personal breakdown cover applies to an individual, whatever car they use, while vehicle cover applies only to the specified car, or cars, on a policy. They each have their benefits and the best type of cover for you will depend on your driving habits.

Rhiannon Philps

GAP insurance is an optional cover that can protect you against depreciation if your car is stolen or written off. Find out more about what GAP insurance covers, how it works and how it could help you.

Caroline Ramsey & Rhiannon Philps

European breakdown cover ensures you have protection if you break down while abroad. You can choose from single-trip or annual policies, depending on how often you drive on the continent.

Rhiannon Philps

Keeping some essential items in your car, such as a map, a high-vis jacket, warm clothes, warning triangles and more, can help you to stay safe and comfortable when you drive, especially if you break down.