Using a credit card to make ends meet isn’t unusual, especially with the rising cost of living and irregular income patterns. But when spending on credit becomes a monthly routine, it’s a warning sign that your budget may no longer be working. This guide explores why many people in the UK are living on credit…
Finding yourself running out of money before payday is more common than you might think. Rising bills, unexpected costs, or even just a higher-than-usual food shop can quickly throw off your budget. If you can’t make it to payday this month, there are practical steps you can take right now, as well as longer-term options…
It’s something no one expects to face, yet more and more families across the UK are struggling to put meals on the table. With food, energy and everyday costs rising faster than incomes, even households that were coping a year ago may now be falling behind. If you’ve found yourself skipping meals, buying less, or…
Halloween is an exciting time filled with with opportunities to get creative, dress up, and enjoy some spooky fun. But like many celebrations, it can quickly become expensive if you’re not careful. Costumes, decorations, parties and treats can all add up, making it easy to overspend. However, with a little planning and creativity, you can…
First introduced by New Labour in 1997, the Winter Fuel Allowance (also known as the Winter Fuel Payment) is a yearly payment made to individuals who have reached state pension age to help meet the costs of energy bills over the winter months. This payment has been a constant for the past 27 years, spanning…
You might have been together a year, a week, or just a day. Maybe you’ve only just got around to asking out that certain special someone. Interest is high, but the budget is low. Don’t worry. There’s no need to cancel Cupid. Romance doesn’t have to mean restaurants, roses and robbing a bank to pay…
Question: Is there a better buzz than clothes shopping? Answer: Yes, when you’re saving money while clothes shopping. No matter what your financial situation, fashion is more than just a necessity – it can be a way to express yourself. The trouble is, if you’re not careful, keeping up with the latest trends can become…
We’ve all got bad habits. Most of them are nothing more than annoying. (Humming, whistling, drumming fingers, cracking knuckles, etc). Some, however, could be costing you money. You could be throwing your hard-earned cash away without even realising it. That’s got to be worse than tapping your feet or clicking your pen top. So, to…
If it’s not bad enough having to be there (sorry boss), getting to and from work can be a real pain. It’s not just the delays, the cancellations, the traffic jams, the road works, or the long hike, it’s the expense too. For many working people, commuting is unavoidable but there are things you can…
Whether you’re looking to save for the future, get out of debt, or simply make better financial decisions, improving your financial literacy is the key to achieving your goals. This guide will help you understand why financial literacy matters and provide practical tips to enhance your financial knowledge and skills. Why does financial literacy matter?…
Financial literacy is crucial for making informed financial decisions that can significantly improve your financial well-being. By understanding the core principles of financial literacy, you can take control of your financial future, avoid common pitfalls, and work towards achieving your financial goals. In this article, we’ll explore the five main principles that form the foundation…
Credit scores are a key part of financial systems in the UK. MoneyPlus explains how they work and what types of actions can impact your score. Credit reports play a vital role in private financial agreements in the UK. Without a credit score, the average person in the UK wouldn’t be able to apply for…