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How to improve your credit score

Obtaining credit can be stressful. Some people fear that they won't qualify for a much needed loan, and many don't know what they can do to improve their chances of qualifying for a loan. In this b...

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Everything You Need To Know About Credit Scores

Credit score. It’s a term that you might have heard uttered with some trepidation. Most people know that it determines whether or not they qualify for a loan and what kind of interest rate they get...

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How To Manage A Long-term Loan

If you have recently taken out a long-term loan, you might be wondering if there is anything you can do to reduce the cost of your loan. Fortunately, there is. In this article, we look at a few thi...

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10 Things To Know Before Applying For A Credit Card

Credit cards are promoted as must-haves - they’re easier to carry than cash, offer greater security than cash, and can be used to strengthen your credit score if used wisely - hugely important if y...

A step by step guide to getting out of debt

A step by step guide to getting out of debt

Debt is like a fire. If it’s small and controlled, it can be useful. But if you ignore it for even just a moment, it can easily turn into an uncontrollable and destructive force. And when that happ...

secured vs unsecured loans

Unsecured loans vs secured loans

If you find yourself needing to cover an emergency expense or finance an asset, you might apply for one of these: a loan. When things break and kids get sick, we are often left shaking the last Ran...

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Personal loans vs payday loans

If you find yourself scraping coins out from under the couch cushions at the end of every month, there's a good chance that one day you'll consider applying for a payday loan. But, before you do th...

When to take out a debt consolidation loan

Nobody plans to take on unmanageable debt, because nobody wants to be burdened with late payment charges and increasingly high interest rates. But it's also true to say that nobody is in complete c...

when to take out a personal loan

When To Take Out A Personal Loan

Ideally, you'd never need a loan. But life happens and sometimes you need extra cash to cover an unforeseen expense. Cars break down, pets get sick, and appliances sometimes need to be replaced. Bu...

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Everything You Need To Know About Credit Life Insurance

Having at least a little debt has become the norm for most people, and while you may feel that you’re in control of your debt, it’s important to ensure that you’re covered in the event that somethi...

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How To Choose A Personal Loan

If you are reading this, it’s probably because you need a loan for one of two reasons: either you want to consolidate debt accrued over several loans (usually store accounts and credit cards) or yo...

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What Is Debt Counselling

If you ever found yourself deep in debt and then turned to the internet for a solution, you’d find much information on a service called debt counselling. Otherwise known as debt review, this proces...

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How To Avoid The Debt Spiral

Borrowing generally starts quite innocently - you take out a credit card to help you establish a credit score or open a store account because the discounts are so good (pointless really since they...

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Debt Consolidation Vs Debt Counselling

Both debt consolidation and debt counselling can be used to help you get out of debt. But they do so in very different ways, and the best solution for you will depend largely on how deep in debt yo...

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How To Choose A Credit Card

With so much information online these days – almost too much – it’s difficult to separate the wheat from the chaff when it comes to looking for the best credit card. What’s important to keep in min...

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Dangerous Debt Myths

Many aspects of personal finance and debt can be confusing to the layman. Half the time, you feel like you need a degree just to understand a tax return or the fine print on a contract. Managing yo...

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Debt consolidation explained

If you find yourself in significant debt with multiple loans to pay off, you might consider a debt consolidation loan. In a nutshell, a debt consolidation loan allows you to pool your debts into a...

credit card vs personal loan

Personal Loans Vs Credit Cards

There are many reasons why you might need extra cash. Perhaps you want to furnish your house, are expecting a child or want to start a business. You might be looking for a way to combine your debt...

The cost of credit

What Is The Cost Of Credit?

Life is full of surprises, and sometimes you’re faced with an expense that you’re just not prepared for. In such cases, many people will rely on a personal loan. But credit comes at a cost, and man...

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What Is A Debt Consolidation Loan?

If, like many people, you have managed to find yourself with more debt than you can handle, you might want to consider a debt consolidation loan. The idea of ‘another loan’ might sound like a terri...