What is a credit score?

Rather than talk about complex equations, that involve amount and length of debt, usage ratios and other factors; I much prefer Dave Ramsey’s version: A credit score is actually just a ‘I love debt’ number If you were lucky on the premium bonds and had one million pounds in cash, your credit score wouldn’t suddenly jump to the… Read More »

How much is that doggy? (per month!)

I learned something last week – apart from cars and phones, you can apparently now lease pets as well. This is somewhat upsetting on many levels, particularly if it is a family pet that children will be looking after. As with cars, if you don’t keep up with payments they will repossess the animal. I’m not sure if… Read More »

When you’re walking on eggs… don’t hop!

Following on from my post about fantasists, they can actually often catch themselves out without any assistance. Sometimes they start to believe their own spin they have created. As a result, their claims become wilder over time – trying to create a false sense of improvement based on their original fabrications. Sadly, it’s also something that can be… Read More »

What’s the colour of the boathouse at Hereford?

In life, and especially online, you will come across fantasists – perhaps they imagine themselves to be adventurers, gurus or experts. What you see online can be carefully edited though, rather than the true story. It’s also very easy to ‘Photoshop’ yourself into pictures now. However, the great power of the internet is that it is also fairly… Read More »

Beware of the math when looking at transport options

There is a danger when looking at travel costs, if you take the annual cost per mile over a large number of miles for a car. By car, the cheapest cost per mile is around 35p no matter whether you run an old banger or something more modern. BUT this is over a whole year covering 10,000 miles.… Read More »