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The Savvy Scot

Personal finance and lifestyle blog

4 things to consider before buying a house on your own

By Pauline

4 things to consider before buying a house on your own

I own a property in the UK that I bought alone a few years ago. Even though I had a boyfriend at the time, he had no interest in co-signing and I didn’t have much interest in getting him on board. Not that I didn’t love him at the time, but I knew it was… Read more

Filed Under: Personal Finance Tagged With: borrow, buy house alone, debt, flat, House, loan, Money, mortgage, property, real estate

Unlimited holidays for Virgin employees? Yeah, sure.

By Pauline

Unlimited holidays for Virgin employees

You may be aware that recently Richard Branson announced that all salaried Virgin employees were now able to take as many holidays as they pleased, whenever they wanted. Sounds pretty cool indeed. Actually, a few companies like Netflix already do that, and as a result have seen a boost in productivity. They also get better,… Read more

Filed Under: Personal Finance Tagged With: allowance, branson, Business, employees, Holidays, virgin

EDF Blue + Price Promise doesn’t keep its promises…

By Pauline

  Yay, you’re in for a mini rant today! I was asked to write a post about negotiating your utility bills recently (actually it is a video, so if you want to see how I should really better remain a writer, knock yourselves out!), and thought it would be a good time to practice what… Read more

Filed Under: Personal Finance Tagged With: broadband, broadband costs, rates, utilities

The Basics of Renting Your Property

By Pauline

Renting your property is a viable alternative to selling. This way, you’ll get a consistent stream of income and you’ll still have the option of selling when the time’s right. If you weren’t considering the idea, though, you’ll have a few questions. Take a look at this guide for all the basics you’ll need to… Read more

Filed Under: Money Tagged With: Insurance, landlord, landlording, loan, mortgage, property, rent, renting, tenants

Investing in your values

By Pauline

  For many of us investing comes down to one thing: financial returns. But did you know there are investments that help you meet your financial goals and reflect your personal values? Impact Investments combine these two attributes. Impact Investments are defined as investments that intend to generate social and/or environmental impact and at the… Read more

Filed Under: Money Tagged With: debt, equity, foreign exchange, impact, invest, investment, Money, portfolio, real estate

Pros and cons of the raw diet for dogs

By Pauline

raw diet for dogs

  A while back, I talked about how I was looking for healthier options than kibble for Napoleon, the cutest Little Great Dane on the continent. Who am I kidding, in the whole world 🙂 Anyway, I thought I would start preparing homemade meals for him, so he could eat better. Dogs can’t eat many… Read more

Filed Under: Personal Finance, Pets Tagged With: dog, dog food, dog health, feed, Great Dane, kibble, raw diet, vet, veterinary

How Your Small Business Can Punch Above Its Weight

By Pauline

The internet has given customers the power and they aren’t going to buy your product or services because you’re the only option anymore. They are going to want to buy from the best and this often means they stray towards big-names they feel they can trust. Here are a few ways you can make your… Read more

Filed Under: Money Tagged With: Business, company, meeting room, small business, virtual assistant

Cutting the cost of car ownership

By Pauline

Cars are among the most useful things you can own, but they also account for some of the biggest expenses a household will face. There are, however, a number of steps you can take to cut the cost of car ownership significantly. Obviously, these will not completely eliminate expense, but they will often make it… Read more

Filed Under: Money Tagged With: buy, car, credit, debt, Insurance, loan, maintenance, Money, purchase, running costs

Learning the Lessons from Cyber Monday: Buying and selling safely online

By Pauline

Cyber Monday is an American concept that may have eluded most British citizens and which refers to the first Monday after Thanksgiving in America. It is the busiest online shopping day of the year and provides ample opportunity for sophisticated cyber thieves to steal everything from money to consumer identities. Cyber theft is a growing… Read more

Filed Under: Money Tagged With: buying online, cyber, lessons, online, safety tips

Do you have to give better gifts now that you make more?

By Pauline

Do you have to give better gifts now that you make more?

I am pretty lucky that we are not big on Christmas gifts in my family, so I generally get something for my brother, sister and mother, and a box of chocolate or a bottle of Champagne for whoever is hosting Christmas that year. As kids, we were never expected to give gifts, but as a… Read more

Filed Under: Personal Finance Tagged With: buy gifts, christmas, Christmas Season, gifts, give gifts, Holidays

Introducing peer to peer New ISAs

By Pauline

Are you familiar with the new ISAs? They launched back in July 2014, and just like the “old” Individual Savings Account, they allow you to save money tax free, in the form or cash, or stocks and shares. The big changes of the New ISAs were a huge increase in the yearly allowance, to £15,000 per… Read more

Filed Under: Money Tagged With: allowance, cash isa, credit, interest rate, new isa, nisa, peer to peer, Save Money, savings, shares, tax, tax free, uk savings account

OMG, we have rats! How to fight a rat invasion

By Pauline

rat invasion

Or mice. What is the difference anyway? They are disgusting, they have long tails, they eat my food. It happened while we were away for a few weeks, and the maid discovered the kitchen like a battlefield, complete with faeces and eaten dry food. Yuk. Thankfully there were no guests around! It can happen pretty… Read more

Filed Under: Pets Tagged With: rat, rat control, rat invasion, treat a rat invasion

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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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