When 0% financing isn’t

You will sometimes come across adverts offering zero percent finance. However, you do need to be wary if that ‘offer’ is based on the full list price rather than a discounted one. Taking the example I used when comparing new vs 3-year-old cars, zero percent financing on the full list price isn’t the same as it would be… Read More »

Is buying a new car for cash better than at 3 years old?

Following on from my post about how to minimise your motoring costs, I read an article from a US blogger where for him buying a brand new car for cash worked out better than a used one. Using the same information as before, assuming 10,000 miles pa, I ran the numbers to see if the same situation would… Read More »

My top tip for using a smartphone

Smartphones have many benefits, and with perhaps the only smartphone you’ll need costing £150 they are affordable too. However, there is one major drawback to using a smartphone – but thankfully it’s fixed very easily. Advantages Camera – as the saying goes “the best camera in the world… is the one you have with you.” By always having… Read More »

What’s the best value smartphone?

I used to have top of the range smartphones, however their prices have been increasing steadily over the last few years. We are now at a point where a top phone costs around £700, which is crazy – for that you can buy a decent laptop, a good smartphone, and still have £200 change! Sadly, many people don’t… Read More »

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 »