Credit card debt can be a significant financial burden, often characterised by high-interest rates and minimum payments that barely make a dent in your balance. Fortunately, there are effective ways to consolidate your credit card debt and regain control of your finances. In this blog post, we will explore the three best methods for consolidating credit card debt and provide insights into how to use a credit card calculator to make informed decisions. Balance Transfer One of the most popular and effective methods to consolidate credit card debt is through a balance transfer. This strategy involves moving your high-interest credit card balances to a new credit card with a lower…

Hello friends! Today I want to have a chat about pensions and more specifically starting a Pension Bee pension, especially if you are a self employed content creator. I have a pension with Pension Bee and I honestly wish I had started both of them years ago, because now I am having to play a game of catch up. That’s the thing about pensions, the sooner you start, the less you have to pay in! No joke! So, today we are going to do a Pension Bee Review and I’m sharing my refer-a-friend code so that if you DO decide to start a pension, you can get a £100 (usually £50!) bonus…

A university degree is still considered a golden ticket to a successful career. But with the average annual tuition fees in the UK costing a whopping £9,250 a year, many hopeful students are left scratching their heads, wondering how on earth they can afford it, especially during the current cost of living crisis.  Fret not, future academics! We’ve got your back with six ingenious ways to help you bag a bargain degree. Ready, set, save! World Wide Web to the rescue Ah, the internet – what would we do without it? As it turns out, you can get more than just hilarious cat videos and conspiracy theories from the digital…

As a self-employed individual, keeping track of your finances is crucial for the success of your business. While accounting may seem daunting, it’s an essential part of running a business, and with the right tools and knowledge, you can manage your finances with ease. Here’s a step-by-step guide on how to do your own self-employed accounting: Open a Separate Bank Account The first step in managing your finances as a self-employed individual is to open a separate bank account for your business. This will help you keep your personal and business expenses separate and make it easier to track your business income and expenses. Keep Track of Your Income As…

Money is one of the most important aspects of our lives and it is essential to have good financial habits to stay on track. Being financially informed is essential for building wealth and there are websites out there that offer solid financial advice and where you can borrow online with ease. However, this post is about helping you be smarter with your money. So here are 10 financial habits that can help you make smarter decisions with your money. Create a Budget and Stick to It Creating a budget is the first step towards managing your money. A budget will help you keep track of your income, expenses, and savings. When…

In recent years, cryptocurrency has been making waves in the financial world, but is it the future of money? It has been hailed as a revolutionary technology that could change the way we think about money, but at the same time, it has been criticised for its association with criminal activities and lack of stability. So, what exactly is cryptocurrency and why is it important? Cryptocurrency, also known as digital or virtual currency, is a form of digital asset designed to work as a medium of exchange. Unlike traditional currencies that are backed by a central authority, like a government or a bank, cryptocurrencies operate on a decentralised system that…

Debt can be a burden that affects not just your finances, but also your overall well-being so it is important to know ways to manage debt. It is entirely possible to manage and eventually pay off debt with a smart and practical plan. Here are some tips to help you get started: 1. Make a list of all your debts and prioritise them. The first step to managing debt is to get a clear picture of exactly how much you owe and to whom. This will give you a better understanding of your financial situation and help you prioritise your debts. Generally, it is best to focus on paying off…

Here are seven tips for reducing the cost of commuting.. 1) Book Train Tickets In Advance The earlier train tickets are booked, the cheaper they tend to be. Most train operators offer “advance” tickets for sale up to 12 weeks before the date of travel; some companies’ advance tickets get released even earlier. Most companies make it easy to find advance tickets by sending out email alerts about advance ticket availability. These alerts are typically sent by route. For example, Which? recently found London-to-Leeds advance tickets for sale for just £30 – an 87% savings over anytime tickets.  An important caveat: advance tickets aren’t usually eligible for refunds or transfers.…