Fearless Finance Blog
Learn how to take control of your finances.
Pay Yourself First – Building A Brighter Financial Future
Pay Yourself First is an expression I first came across in the wonderful little book The Richest Man In Babylon. It’s a simple concept but what does it mean in practice? Let’s assume like many people you get paid monthly. Then there are a series of automated payments...
Saving and Investing – What’s the difference?
Putting something aside every month is a foundation for sound money management and for growing future wealth. But many people get confused around the differences between saving and investing. This article will explain more. Save for Security - Invest to Increase...
Financial education in the workplace. A business case for financial wellbeing
With financial education in schools still sadly lacking in many cases, should employers step up and fill the needs of their staff by providing general financial well-being programmes? Research undertaken by Secondsight found that just one third of the working...
How To Improve Your Credit Score
What is a credit score and why is it important? Your credit score is a rating , typically between 0 and 999, used by lenders and credit agencies. To them it represents the risk of you not paying back a loan. To you it is a factor in deciding how much interest you will...
9 Proven Methods to Eliminate Credit Card Debt
Huge credit card debt can feel like a crushing, impossible burden that will have to be carried for months, years, or even a lifetime – but it doesn’t have to be. With a few simple steps and a good deal of discipline, credit card debt can be whittled down, paid off,...
How Is Your Money Story Holding You Back?
Think about the statements about money you heard growing up. Chances are they included things like; ‘Money doesn’t grow on trees, money is the root or all evil or money only comes through hard work’. When we hear messages like this as young children, they form part of...
Money Tips – Need To Survive Until Payday?
Sometimes it can be a challenge to make your money last from one payday to the next. It only takes one unexpected expense, like a breakdown or a household emergency to throw your budget off track and leave you reaching for credit cards or even worse payday loans. Here...
How Is Your Money Mindset Limiting Your Success?
What is your Money Mindset? The beliefs and values your hold, often in your subconscious which direct how you feel about money. Here's a story to illustrate. Just the other day, I was talking with someone who has a fear of dogs. Just the sight of one makes her nervous...
Debt Management – Your Options for Getting Out Of Debt
The average level of consumer debt (excluding mortgages) in the UK is £4009. With the total amount outstanding on credit cards £207.5bn it is an issue affecting millions of people. Banks and credit card companies make huge profits from encouraging us to spend and consumption is the single biggest factor driving the economy, so the Government are not inclined to assist with our addition to debt. Rather than ignoring the problem this article focuses on Debt Management and explain the options you have for dealing with debt.
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