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The Savvy Scot

Personal finance and lifestyle blog

Everything You Need to Know About Guaranteed Approval Loans

By Pauline

About 1/3 of Americans have a credit score of 601 or lower — meaning that bad credit scores are much more common than you might think.  A poor credit score can make it difficult for you to get approved for a credit card, impact your employment opportunities, and of course, make getting approved for a loan a serious… Read more

Filed Under: Money

5 Things that Banks Don’t Want You to Know

By Pauline

Judging by their television commercials, websites and other marketing tools, banks aren’t just our pals: they’re the best friends we’ve ever had, and will ever hope to have. Basically, Shakespeare got it wrong: instead of comparing our beloved to a summer’s day, we should compare them to a bank (during any season of the year)…. Read more

Filed Under: Money

Top steps to buying a home

By Pauline

If you are a first time buyer, getting on the property ladder can be a daunting tasks. Yes, property prices have gone up in the past few years, but mortgage rates are quite low, which is good news for you. 30 years ago, the Bank of England’s rate rose to 15% (!), now it sits… Read more

Filed Under: Investing

Buying a house? Understand the types of mortgages

By Pauline

There are many types of mortgages to choose from out there. And as with anything, choice can be overwhelming. Buying a house is one of the biggest decisions you will make in your life. And picking the right mortgage is very important. Why? Because it can greatly impact the amount of money you will have… Read more

Filed Under: Investing

Debunking 5 Myths About Minimalism

By Pauline

In today’s world characterized by rampant, hyperactive, and obsessive consumerism — and the stress and dread of paying for the previous purchases or getting the next ones — dialing things down and adopting a simpler, gentler minimalist lifestyle can seem quite attractive. Or at least, saner. However, while there is plenty of excellent information on… Read more

Filed Under: Money

KartaGold Coing (KBC): A New Cryptocurrency That Brings Gold Back Into Forefront of Currency Market

By Pauline

Gold used to be the de facto money. Today, due to the difficulty in using it as cash, gold has been relegated to the commodity class. It still has value that rises and falls due to market forces, but have you ever tried to use gold to pay for your order at Home Depot? Gold… Read more

Filed Under: Money

3 Mistakes that New Project Managers Make — and How to Avoid Them

By Pauline

So, you’ve either formally trained to enter the glorious world of project management, or perhaps you’ve had the mantle of project management thrust upon you. One day you’re happily plugging away at your job, answering emails, chatting with colleagues about things like the best cities to head out on a weekend break, where to find… Read more

Filed Under: Money

Planning for a great financial future

By Pauline

As we have discussed previously around here, planning for your future financially is the best way to succeed. For example, when you set up some saving goals, and have a direct debit on pay day taking that money right out of your current account to place it into savings, you don’t miss the money, and… Read more

Filed Under: Personal Finance

Vitamin D and Exercise: What You Need to Know

By Pauline

Health and fitness in your 30s

Multiple factors contribute to your overall level of fitness. Gender, age, diet, the amount of stress you have and the kind of drugs you take, even the environment in which you live, are just a few of the obvious things that influence the way your heart, lungs and mind work together to energize and sustain… Read more

Filed Under: Money

Tips to Maximise the Amount You Will Receive from an Injury Claim

By Pauline

  It is not easy going through the legal process involved in making injury claims. This is especially true for those who you cannot work as result of their injury. You may need to fight both hard and smart to maximise your chances of receiving adequate compensation. These key tips will help you survive the… Read more

Filed Under: Money

Cancelling a Student Loan

By Pauline

Cancelling a Student Loan

  Are you considering cancelling your student loan? Are you curious if that is even possible? Yes, cancelling a student loan is possible under certain rather specific circumstances. What’s more, it can happen whether your loan is active, in deferment, or even in default. Previously made payments can be refunded to you too—under certain conditions…. Read more

Filed Under: Money

7 Home Improvement that will Cost You the Most

By Pauline

7 Home Improvement that will Cost You the Most

Home improvements are an essential part of life. They are vital for comfort or when you want to increase the resale value of your home. Generally, the home improvements that add the most value are expensive.  Thankfully, the amount of money you recoup on these home improvement is on the rise with an average return… Read more

Filed Under: Money Tagged With: home improvement

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Neither The Savvy Scot or any guest writers on this site are finance professionals. All writing on this site is intended for entertainment purposes only. Some posts on this site may be sponsored and will include links to external content. See Terms & Conditions page for further details.

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