Credit Utilisation: The Number Quietly Shaping Your Score
Credit utilisation is the share of your available credit you are actually using, and it has an outsized effect on your credit score. This…
Rachel Stone
323 reading now
Personal Finance
Saving, investing, debt and budgeting — practical money guidance.
261 stories
Payment Arrangements and Plans: A Practical Guide
What a payment arrangement is, how to set one up with a lender, how it can affect your credit file, and where to get free, impartial debt…
Rachel Stone
464 reading now
UK Pension Basics: What Every Worker Needs to Know
Workplace pensions, SIPPs, and the state pension explained in plain English.
Sarah Henderson
408 reading now
How Lenders Must Support Customers in Financial Difficulty
What the FCA's Consumer Duty and forbearance rules require when borrowers struggle, the support options lenders should offer, and how firms…
Rachel Stone
411 reading now
Secured vs Unsecured Loans: What's the Difference?
Secured loans are tied to an asset such as your home; unsecured loans are not. This UK guide explains how collateral changes the risk, the…
Rachel Stone
444 reading now
APR Explained: The True Cost of Borrowing
APR is the single yearly figure that captures the real cost of borrowing. This UK guide explains how APR differs from the interest rate…
Rachel Stone
377 reading now
Direct Debits Explained: How They Work and Your Rights
A plain-English guide to how Direct Debits work in the UK, the protection of the Direct Debit Guarantee, how to cancel one, and how they…
Rachel Stone
446 reading now
Short-Term Loans in the UK: How to Compare Fairly
Not all short-term loans are created equal — here's what to look for when comparing UK lenders.
Rachel Ford
380 reading now
How to Make a Budget That Actually Works
A practical UK guide to budgeting: how the 50/30/20 rule and zero-based budgeting work, how to track your spending, and the habits that…
Rachel Stone
416 reading now