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The Savvy Scot

Personal finance and lifestyle blog

Viewing posts tagged with: debt

Receive Large Sums for Items Lying Around at Home

By Pauline

    One of the fastest and easiest ways to get some quick cash involves simply looking around your home. Most homes will contain all kinds of items which can then be taken to a pawnshop, and many of these places will pay good money for any kind of asset. This could be jewellery, a… Read more

Filed Under: Money Tagged With: debt, fast, Money, mortgage, pawn, pawn shop, pay off, quick money, sell items, sell old stuff

Demand for Housing Continues to Outstrip Supply

By Pauline

House

Prices are on the up, which shows strength, but the lack of housing supply is behind the increase. Yet again, the Royal Institution of Chartered Surveyors has revealed that all is not well with the Scottish housing market. There’s significant demand for housing but the supply of homes simply isn’t there, which is driving up… Read more

Filed Under: Money Tagged With: bank, borrow, debt, help to buy, House, Housing, lend, lender, mortgage

How to Start Investigating Financial Crimes

By Pauline

In recent years, the FBI has increased its focus on investigating financial crimes. These crimes, which can include insider trading, corruption and creating off-books accounting schemes, cause significant damage to individuals and to the U.S. economy as a whole. Earning a certificate that qualifies you to investigate financial crime (click here to explore programs) is… Read more

Filed Under: Money Tagged With: credit, credit card, crime, debt, financial crime, fraud, identity theft

Is your business experiencing solvency issues?

By Pauline

  As a business owner, you probably have had some hard times here and there, when cash-flow was stretched and the financial stability of your business would have been compromised if your customers wouldn’t have honoured their payments on time. Maybe you have even had to resort to short term business loans to make the… Read more

Filed Under: Money Tagged With: Bankruptcy, Business, cva, debt, Insolvency, IVA, loan, solvency

The mortgage world has changed

By Pauline

Anyone living in the UK (which is likely for a lot of our readers) might be unaware that the mortgage application process in Britain recently underwent a major overhaul. Fuelled by the Mortgage Market Review, regulatory changes have been put in place that might make it trickier for some people to obtain that perfect mortgage…. Read more

Filed Under: Money Tagged With: affordability, debt, invest, loan, mortgage, real estate, take out a loan, valuation

Things to Consider Before Taking Out a Loan

By Pauline

Below is a great article be Low Income Loans Assistance in the UK which outlines considerations of taking on loans. Learn more about this and financial alternatives at http://lowincomeloansassistance.co.uk/loans-for-people-on-benefits/. If you are falling behind on your bills or you want to make a purchase but do not have the funds readily available, you may be… Read more

Filed Under: Money Tagged With: borrow, credit card, credit score, debt, loan, Money

How Interest from Debt Is Killing Your Financial Status

By Pauline

  The below article outlines the impact of interest on credit card debt and utilises data from Australia. To learn more about finances check out Low Income Loans Australia, a personal finance site which helps low income earners with non-profit and government initiatives with regard to money matters. According to a recent study, Australians are… Read more

Filed Under: Money Tagged With: consolidate, credit, credit card, credit score, debt, interest, loans, payment

The credit cards of the future

By Pauline

What do you imagine when you think about the future of credit cards, or payment methods in general? I remember when flashing a code with your smart phone was considered an odd occurrence you would only see in Japan or South Korea, and yet now it allows you to pay for some products directly with… Read more

Filed Under: Money Tagged With: chip, credit card, debt, future, Money, pay, payment, pin, safety, security

Savings and debt before marriage: Whose money is this?

By Pauline

couple money

  For the past few years, most of my friends have been getting married or moving in with significant others, and oftentimes the question arises: when it is time to merge your finances, what do you do about the money you had before you knew each other? I will admit straight away that I am… Read more

Filed Under: Personal Finance Tagged With: debt, Marriage, Money, planning, savings

Bad Credit Car Loans: Not as difficult as You Might Think

By Pauline

  Everyone has serious financial decisions to make in life. Some people come unstuck when making them; it has certainly happened in the property market recently. You can get plenty of advice on the subject of finance but not everyone listens. Supposed experts did not see the last financial crisis coming and many people suffered… Read more

Filed Under: Money Tagged With: car, credit, debt, Finance, lease, loan, rent

How to save money this New Year

By Pauline

  January is traditionally a month in which most of us are looking to cut-back and clear the debt we’ve accrued over the festive period. It’s a great time to think about where we went wrong in regard to finance the year before and how to put those faults right this year. Budget The first… Read more

Filed Under: Money Tagged With: budget, credit, debt, gaming, interest rate, Money, New Year, plan, save, saving

Minimizing College Expenditure

By Pauline

    College is expensive, and tuition increases at a 2.3% average every year. Cost of living on and off campus tends to rise with tuition. Supplies, texts and materials needed for class are subject to rising costs. Food prices fluctuate, but on average they are rising. The same can be said of fuel, and… Read more

Filed Under: Money Tagged With: career, college, course, debt, expenditure, loan, scholarship, student, study, tuition, uni, university

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