Articles by Rhiannon Philps:
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What Can I do if I am Struggling With Secured Debt?
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.
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42 Energy Saving Tips: How to Save Energy At Home
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.
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What Should I Do If My Energy Supplier Goes Bust?
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.
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What is the Energy Price Cap and How Does it Affect Me?
The energy price cap is set by Ofgem and aims to limit the amount that energy providers can charge consumers each year. For those on default tariffs, the cap is increasing by £139 to £1,277 in October 2021, and energy bills are likely to rise as a result.
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The Best Cities to Start a Business in the UK
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.
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Personal loan calculator
Our personal loan calculator gives you an estimate of how much a loan would cost you and if it could be an affordable option. Read on to learn more about how a personal loan calculator can help calculate how much you could borrow.
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What is a car warranty and what does it cover?
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.
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Brits cautious on consumer spending post-restrictions
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.
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Surveys for money: how much can you earn?
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?
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What is Amazon Prime? The benefits, the cost, and whether it’s worth it
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.
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What is conditional sale?
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.
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What is the Debt Respite Scheme? How to apply for a breathing space
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.
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Budgeting 101: How to Budget Money
To create a budget, begin by dividing your income between needs, wants, savings and debt repayments, using the 50/30/20 plan for guidance.
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How will Brexit affect me and my finances?
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.
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Broken Down with No Cover? What to Do Next
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.
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28 Top Small Business Apps
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?
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The Ultimate Guide to the FIRE Movement
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?
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How to optimise your finances during a recession
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.
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Graduating into a recession: How to find a job in a recession
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.
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Negative equity and car finance: What is it and when can it be a problem?
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.
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Should I Move House or Make Home Improvements?
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.
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The ultimate guide to moving out of London post lockdown
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.
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Coronavirus Eviction Extension Explained: A Guide for Tenants and Landlords
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.
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Stamp Duty: What you Need to Know
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.
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Types of Car Finance Explained
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.
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Car maintenance checklist: 13 tips to look after your car
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.
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The Dangers Of Buy Now, Pay Later Schemes
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.
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What are the 2020 Budget changes to entrepreneurs’ relief?
Entrepreneurs’ relief has been criticised in recent years, and the recent Budget addressed these concerns by reducing the lifetime limit on qualifying gains. Find out more about the change and the wider impact it will have.
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How to Apply For a Coronavirus Mortgage Payment Holiday
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.
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How do I apply for a Coronavirus Business Interruption Loan?
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.
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Budget 2021 – How Will it Affect you?
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.
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Top Small Business Grants in the UK
There are hundreds of small business grants available to help growing businesses. Discover grants for different regions and industries to see what you can claim.
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The True Cost of Homelessness
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.
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What is the cost of going vegan?
Many people regard veganism as an expensive lifestyle choice, but is there any truth in that claim?
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The Business Insurance Expert: 5 Business Insurance Myths
In the first of our Expert Insights series, Joe Howard, a business insurance specialist discusses the common misconceptions that cause problem for SMEs.
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What is the difference between personal and vehicle breakdown cover?
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.
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What is GAP insurance? And what does it cover?
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.
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European Breakdown Cover: What You Need to Know
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.
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Car Essentials: Things to Keep in Your Car in Case of Emergency
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.
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What is APR? Everything you Need to Know
APR, which stands for annual percentage rate, shows how much it will cost you to borrow, once you take into account the interest rate and any fees. Read on to find out how it works and how it can help you.
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Loans From Friends and Family
Borrowing from friends or family can be a quick and easy way to access money, but it isn’t without complications. If things go wrong, your relationship could suffer so find out what you can do to try to make the arrangement a success.
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What is a Logbook Loan?
Logbook loans are secured against your vehicle, so the lender temporarily owns your vehicle until you repay the loan in full. These loans can be very expensive, which means alternative options are likely to be more suitable. Read on to find out how they work.
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Can I Sell my House With a Secured Loan on it?
If you want to sell your house with a secured loan on it, you can either pay it off or move it to a new property. This will depend on your personal circumstances and how much you owe.
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Grants to Help With Your Gas and Electric
If you’re finding it difficult to pay your energy bills, you may be eligible for government grants or support from your energy supplier. Find out what schemes are available to help you pay for your gas and electricity.
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Energy Tariffs Explained
There are several different types of energy tariffs available, so it can be hard to know how they all work. Find out whether fixed or variable energy, or another kind of tariff is right for you.
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Should I Borrow Against My House?
Taking out a loan secured against your house is one option if you need to borrow money. Read on to see if you could be eligible for these secured loans and if they’re the right choice for you.
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What are my rights when I buy a used car?
Thanks to the Consumer Rights Act 2015, everyone has some statutory rights when they buy a used car from a dealer. If your car is faulty, you may be able to return it, depending on when you bought it.
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Should I get an extended car warranty?
If you’re buying a used car or if your manufacturers’ warranty has expired, an extended car warranty might be worth considering. Find out the pros and cons of an extended warranty to see if it’s right for you.
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Should I pay off my car finance early?
Paying off your car finance early could save you money on interest and means you can own your vehicle outright. However, there are some factors you need to consider, including early repayment charges and whether you can afford it, before making your decision.
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Can you refinance a car loan?
Refinancing a car loan means you take out a new credit agreement and use it to repay your current car finance debt. You might do this to reduce your monthly payments, but find out more to see if it’s the right decision for you.
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