Over the last twenty years or so, debt has become a big part of all of our lives. That it has isn’t really the fault of any individual person. We live in a system where debt is encouraged. Without debt, banking and finance as we know it, could not survive.
The budget. It’s right at the top of the list regarding anything to do with your finances. If you want to know how to save better, spend less or buy something, you need a budget. Yet some aren’t able to easily put a budget together. Below, we’re going to look step by step at what your budget needs. From putting it all together to how to change it for the better.
Right now the stock market is booming. It’s climbed back up from its 2009 lows and is soaring once more. Except, just like last time, there’s a catch. Stock markets in the US and the UK are priced as if the performance of the underlying companies was perfect. We should see record profits across the board to support those prices. But we’re not. Yes, there are a few headline companies, like Facebook, raking it in. But the majority of businesses are not making huge amounts of money, despite what the indices suggest.
2016 has been an exciting year for the mortgage market so far. Over in the US, Janet Yellen has raised the Federal funds rate by a quarter of a percent. But here in the UK, interest rates remain rock bottom after nearly seven years close to zero. It’s not clear how much longer rates can stay so low, but it’s good news for people wanting a mortgage.
Everyone wants to make the most of their savings and make them grow. It’s something that everyone can do if they want to, and here are some of the best ways to make it happen.
It’s April and that can only mean one thing: tax return time! Yes, the old tax year has ended and the new tax year has begun, and it is time to pay what you owe. Unless you are a rich tycoon with ties to a Panama law firm, you can’t afford to make any mistakes. If you do, you will end up paying more than you owe. And, the worst thing about the British tax system is that it is a nightmare to get your tax back once they take it from you.