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Does My Partner’s Debt Affect My Credit Score?
When you’re applying for credit – whether that’s a loan, mortgage or something else – the lender will typically look at your credit score before deciding whether to accept your application. Essentially, a credit score is a three digit number that indicates your trustworthiness as a borrower. The higher this number is, the lower the…
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What Is Irresponsible Lending?
Before loaning you money or offering credit, lenders should complete checks to ensure you’re able to afford repayments. If they don’t, this is known as irresponsible lending and can lead to significant loan and credit card debt for the customer. Read on for more information about the signs of irresponsible lending and what to do…
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5 Practical Tips for Avoiding Impulse Purchases
Impulse buying can be a costly habit. Whether it’s a last-minute online shopping spree or grabbing extra items while grocery shopping, these unplanned purchases can wreak havoc on your budget. With all the online shopping and targeted ads nowadays, it’s easier than ever to get drawn into buying things we don’t need. But there are…
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Stress Awareness Day: Ways To Reduce Debt and Worry
Stress affects millions of people, and when it’s tied to financial issues like debt, it can feel even more overwhelming. That’s why initiatives like Stress Awareness Day, held on Wednesday 6th November this year, are essential for highlighting the impact of stress on our lives and encouraging steps to manage and reduce it. At MoneyPlus,…
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What To Expect from the Autumn Budget 2024: Key Changes and Dates
The Autumn Budget is one of the most significant events in the financial calendar, where the Government outlines its economic priorities, sets tax rates and reveals how it plans to allocate public spending. This year’s Autumn Budget is highly anticipated, as it’s the first one from the new Labour Government with Rachel Reeves as Chancellor.…
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Talk Money Week: The Importance of Talking About Debt
Money can be a difficult topic to discuss, especially when it comes to debt. Many people feel a deep sense of shame, guilt, or embarrassment about their financial struggles, and as a result, they often avoid talking about them altogether. However, avoiding conversations about money, especially debt, can lead to bigger problems down the line.…
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Halloween on a Budget: Fun Without Overspending
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…
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How To Overcome Debt Depression
Debt can be overwhelming. For many, the burden of financial stress leads to a decline in mental health, with debt-related depression being a serious concern. The stigma surrounding debt can make it hard for individuals to seek help, which can result in feelings of isolation. This guide will explore how debt impacts mental health, offer…
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Navigating Finances as a Single Parent
It’s no secret that managing your finances can be difficult, especially if you don’t have all the support you need. As a single parent, all financial responsibilities can fall to you, which can take a toll not only on your finances but also on your mental health. Both debt and mental health are topics that…
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Who Gets Winter Fuel Allowance? Everything You Need To Know
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…
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What Happens If You Ignore Debt?
If you’re struggling with significant amounts of debt, it can be all too tempting to bury your head in the sand and just hope it all goes away. While you probably don’t need us to tell you this, the fact is, doing so will likely only make things worse. Here at MoneyPlus, we understand how…
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How To Find Lost Pensions
Over the course of a career, many of us change jobs multiple times, moving between employers and pension schemes. It’s easy to lose track of workplace pensions, and with an estimated £19.4 billion sitting in unclaimed UK pension pots, you’re not alone if you’ve forgotten about a pension from years ago. Finding lost pensions is…
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