We want to challenge the way banks and lenders make money. When we looked around for inspiration, it came from modern businesses that don’t operate in financial services. Think Netflix and Spotify. They make money by charging a subscription fee. We replicated this with SteadyPay because we believe it’s a Read more…
People don’t like to lose. We associate unpleasant emotions with it, like sadness, pain and frustration. Indeed, we’re hard wired to avoid losses. Especially when it comes to money. Finding £100 is nice, but being out of pocket £100 is just not on. When we make decisions we tend to Read more…
There’s no escaping it. At some point, you’ll have to make a pitch to someone on why you deserve something. In fact, you’ll have to make several pitches. About why you deserve a job. About why you’d make a great flatmate. About why you’re worthy of a swipe right. God forbid, Read more…
We live in a society that frowns upon usual, regular and average. Instead, we’re told we should be focused on achievement. In certain contexts, however, usual, regular and average can represent achievement. Pay is one such context. Hang on, you say, surely a large pay packet is a sign of Read more…
There are lots of apps on the market designed to track your spend, create budgets and find ways to save. I’ll let you into a secret: these apps won’t really help you unless you’re motivated to change your behaviour. Sure, these apps will provide insight into where and how you Read more…
If your income is inconsistent it can be really hard to budget. Here’s a couple of tricks to help you out based on my own experience dealing with uncertain cash flow. Know your average pay Rather than guess what you’ll earn, use what you earn on average. This keeps Read more…
Talking about money with your partner can be hard. It’s hard because money is a personal matter. We get naturally defensive when asked questions like “you spent how much on what?” or “why you didn’t tell me about these purchases?” Many of us, perhaps because we’re so used to having Read more…
Can’t make a repayment? Don’t be afraid to ask for help Life happens – job loss, illness, family crisis, a sudden increase in living expenses. We understand there may be times when you just can’t afford to make a top-up repayment. Do reach out to us if this happens, rather than Read more…
We’re something new to the world of finance – a subscription credit service for people paid by hour. There’s no interest charges and no hidden charges, like missed repayment fees. The only thing you pay is one, low, weekly subscription fee, which gives you access to £1000 of revolving credit Read more…
“The price of anything is the amount of life you exchange for it.” That’s from Henry David Thoreau, a 19th century American journalist and philosopher. It’s quite a neat way to go about budgeting. We tend to think about the things we want to buy in terms of price tags. Read more…