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 »

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 »