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…
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,…
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.…
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…
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…
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…
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…
Open any bathroom cabinet and it’s usually jammed full of random products – sticky bottles, half-empty containers, tubs of gel, assorted sprays and more. Toiletries are everyday essentials, but they can also be expensive. While no one is suggesting you give up on personal hygiene (not least for the sake of those around you), there…
What information do I need before I contact you? It’s helpful to gather some key information before contacting us. You should have a clear overview of your financial situation and a list of all your debts, such as credit cards, loans, and any outstanding bills. You should also include the amounts owed, interest rates, and…
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…