credit card

4 Not-So-Plastic Travel Credit Card Tips

The days of travelling without a credit care are long gone. Nowadays, almost every town or city in the world accepts card payments. Most of them don’t even need you to type in a PIN number. Plus, cash and travellers’ cheques are a security risk. Anyone who wants to globetrot around the world safely needs a piece of plastic in the back pocket just in case. Continue reading “4 Not-So-Plastic Travel Credit Card Tips”

finance for family

Simple Ways To Sort Out Your Family Budget

When you’re single and you only have yourself to clothe and feed, sorting out a budget can be relatively easy. However, as a parent with children to look after, things become a little more complicated. In this article, we will give you some tips for managing your family budget, advice that should help you make smart financial choices to better your family now, and in the future. Continue reading “Simple Ways To Sort Out Your Family Budget”

finances and laptop for maternity pay

Managing Maternity Pay: Making Ends Meet on Less Money 

Your new baby is a fantastic new arrival in your life. When your youngster arrives, you can expect plenty of new experiences and love to come your way. Unfortunately, you might also notice a rapidly emptying bank account too. If you’re worried about coping with the dwindling income you’ll have during maternity leave, you’re not alone. Continue reading “Managing Maternity Pay: Making Ends Meet on Less Money “

tax return, calculator and pen

3 Things You Never Knew You Needed to Tell HMRC About (And Why It’ll Make Your Life Easier if You Do)

Sometimes, it can feel like it’s all we can do just to get by in our day to day lives. The cost of living is rising with inflation but our wages are not rising to meet them. In an era where public sector workers have experienced years of pay freezes and workers in a range of industries experience the longest sustained period of wage repression since records began, it’s little wonder that many working parents turn to a range of side hustles to supplement their income. After all, why shouldn’t we make a little more money so that we can save for our kids’ futures and do our best to improve their quality of life? But while this entrepreneurial spirit is admirable, it can come with severe consequences if we don’t declare this additional income to HMRC rendering it all for nought. Continue reading “3 Things You Never Knew You Needed to Tell HMRC About (And Why It’ll Make Your Life Easier if You Do)”

child counting money

3 Simple Ways To Save For Your Kid’s Future

Things are a lot harder for young people than they were for you when you were their age. They’re struggling to afford housing and high rents make it difficult to save any money. That means that when your kids are a bit older, they might need a helping hand. If you want them to have the same opportunities that you had, you should start saving a bit of money for their future. When you’re trying to deal with all of the expenses that come with raising a family, the idea of saving money might seem out of your reach, but it isn’t’. These are some of the best ways to save for your children’s future. Continue reading “3 Simple Ways To Save For Your Kid’s Future”

Families Save Money On Essential Items With These Suggestions

When you have a young family, it can seem like there is never enough money to go around. Not only are you dealing with a reduction in wages, at least through the maternity pay period, but you have another person to provide for. Combine that with the fact that baby item like buggies and cots don’t come cheap and you can really start to struggle financially. Happily, there are some ways that you can save on the essential items you need for family life. Something that can help you keep some money in reserve for all those other expenses. Read on to find out how. Continue reading “Families Save Money On Essential Items With These Suggestions”

piggy bank knocked over, saving money

4 Reasons Why Saving Just Isn’t Enough For Most Families

Let me dispel a misconception that may be causing you to lose sleep some nights… You are not bad with money. You are not irresponsible. You are not a bad parent because your credit rating is less than stellar and despite appearances to the contrary, you are far from alone. As living costs skyrocket the cost of raising a child is becoming increasingly untenable even for double income households with relatively well-paid jobs. In fact, at last count, the cost of raising a child to the age of 21 was close to a quarter of a million pounds. That’s a lot of anyone’s money. When you were growing up, your parents probably extolled the virtues of saving. While don’t get me wrong, saving is an important step in managing your household finances but given how heavily the financial deck is stacked against parents today, it’s rarely sufficient on its own in this day and age…   Continue reading “4 Reasons Why Saving Just Isn’t Enough For Most Families”