So what does it take to build a good credit record? Great question. Generally speaking, it takes two things. The first is time. How much time will depend on your personal situation. May be you’ve just opened your first credit Read more…
I like to read a lot about personal financial management. Here’s a few blogs I’ve discovered along the way. You might be laughing at me now – blogs, really, in these days of YouTube and Instagram? Fair enough, but there’s Read more…
In 2018 a thinktank called the Resolution Foundation published a fascinating report on pay volatility in the UK. Their findings remain relevant today, may be even more so given the economic fallout from COVID-19. The research was based on anonymised Read more…
Overdrafts are designed to be a quick fix. This means they address a symptom of the problem (“I need money to buy this thing now!”), rather than the root cause (“Why am I short of money again?”). Our service is Read more…
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. Read more…
6th of January – Wow, my usual gym is busy. Very busy. New faces everywhere. We all know the story… By February it’ll go quiet again and I can relax. On new years eve, while I was on holiday with 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 Read more…
Are you tired of living pay cheque to pay cheque? Do you feel like your financial circumstances haven’t really improved in the last two years (or even went backwards)? Do you wish you could just make more money? It’s time 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. 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 Read more…