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The Savvy Scot

Personal finance and lifestyle blog

Viewing posts tagged with: credit

Is right now the best time to get your first time buyer mortgage?

By Pauline

Once you finally make it onto the property ladder, you complete a life goal. And you deject the anxiety that comes with ‘wishing for what could be’. It’s tough, before that first step. You feel the days tick away. Your colleagues share their housewarming photos on Facebook. And you become all too aware of how… Read more

Filed Under: Money Tagged With: bank, borrow, credit, deposit, first time, ladder, mortgage, property, stamp duty

How to keep your credit rating positive

By Pauline

  If you’re a new, up-and-coming business it’s important that your credit rating is positive and clear of any misdemeanors to ensure you can obtain loans and help your growing enterprise excel. There are many ways to improve credit rating and just as many things you can do to tarnish your report. Steer clear of… Read more

Filed Under: Money Tagged With: bank, borrow, Business, credit, debt, loan, rating, score, store card

Recovering from bad credit? Tips to get you back on track

By Pauline

Recovering from bad credit can be a long process. At times it may even seem like you’ll never break out of the rut … but there are ways of securing your place in the black and out of the red. Here’s how. Get reviews from credit bureaus When you receive the review make sure the… Read more

Filed Under: Money Tagged With: afford, bad credit, borrow money, credit, creditor, debt, debtor, loan, owe, repay, unpaid

Your Options When Short on Money

By Pauline

  Many members of society find themselves in emergent situations without the funds to satisfy the need. While these people feel stuck or at a loss as to how to get the money they need, they fail to realize the options right in front of them. There are options for everyone, even those with bad… Read more

Filed Under: Money Tagged With: credit, debt, earn money, get money fast, get money quick, loan, Money, options, take a loan

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

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

Have a student loan debt? Consider debt consolidation

By Pauline

  Imagesource.com Rising inflation has affected all aspects of our daily lives, from higher mortgage rates to a rise in the cost of living. Unfortunately it has also lead to rise in areas like education, which many believe should be free. The cost factor has made it very difficult for students to receive top quality… Read more

Filed Under: Money Tagged With: borrow, college, consolidation, credit, credit card, debt, loan, Money, student, student loan, study, uni

How to Save Money for Your Wedding Party

By Pauline

  There comes a time in all of our lives when it seems like everybody we know is getting married. And if you are a balanced, connected individual who enjoys many friendships, you may be called upon to appear in a lineup of other cherished groomsdudes or bridesfolk. For a stacked wedding season, appearing in… Read more

Filed Under: Money Tagged With: casino, credit, loan, Money, party, planning, save, travel, Wedding

Insolvency declines in Scotland

By Pauline

We often talk about debt management around here, and how your debt should be your number one target to crush before you tackle any other financial goals. Well good news, people having to resort to bankruptcy have declined lately, showing a more responsible approach to debt and better financial management. Protected trust deeds are available to… Read more

Filed Under: Money Tagged With: Bankruptcy, credit, Credit cards, debt, Insolvency, loans, mortgage, trust deed

7 Tips for Finding the Best Personal Loan for Your Circumstances

By Pauline

Taking out a personal loan is a fantastic way of getting your hands on the money you need to purchase one of life’s more expensive treats. Whether you have your eyes on a new car or you want to realise a lifelong dream to travel the world, this type of credit facility gives you flexibility,… Read more

Filed Under: Money, Personal Finance Tagged With: borrow, cash, credit, credit card, debt, lending, loan, Money, peer to peer

How to check your credit report

By Pauline

If you are not familiar with the terminology, a credit report is a file that shows the history of your activity with credit. It will mention all the loans you have had, all the credit cards you have opened over the years, your mortgage and all other debts. Your credit report also tells if you have… Read more

Filed Under: Money Tagged With: check credit report, credit, credit card, debt, report, score

Britain to introduce plastic banknotes

By Pauline

  I do not have the statistics handy, but just like when you are about to eat bread and butter, and the slice of bread almost systematically falls on the floor on the buttery side, I would bet you that the one time you forgot money in your pair of jeans was the time you… Read more

Filed Under: Money Tagged With: amex, credit, credit card, debt, plastic, plastic banknote, polymere, rewards

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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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