Pre-University Finances
University Years Finances
Young Adult Finances

Savings & Investments

Save tax-top up your ISA

Save tax-top up your ISA

Save into an ISA-use your allowance for this tax year to 5th April 2013. If... [Continue Reading]

DON’T WAIT, INNOVATE

DON’T WAIT, INNOVATE

I know times are tough but if you can’t find a job, why not start your own... [Continue Reading]

Shopping for Gifts-Where to save and give!

Shopping for Gifts-Where to save and give!

Presents for birthdays, Valentine’s Day, Easter,Father’s Day, Mother’s... [Continue Reading]

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Taxation

Are you due a tax refund?

Are you due a tax refund?

If you have overpaid tax, ie you have earned less than £7475 in 2011/12 then... [Continue Reading]

Would you like a gift from HMRC?

Would you like a gift from HMRC?

Don’t loose out on a free gift from HMRC. Top up your pension, if you... [Continue Reading]

Tax allowances

Tax allowances

You are entitled to a tax free personal allowance of £6475 for 20/11, that... [Continue Reading]

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In Other News

Are you a winner in these dificult times?

Are you a winner in these dificult times?

The credit crunch has some positives. Look in the sales for bargains, shop around and haggle. Buy what you need not what you want and save the difference. Have you worked out the difference between need and wants? When you do you will save a lot of money. Have a look in Charity shops and browse freecycle  Read More →

Be Positive

Be Positive

Think about what you can do to improve your financial health. We are bombarded by suggestions on what to do and what not to do. It is all good stuff but sometimes there is just too much. Keep it simple: make a simple budget know where your money is spent set a savings target for each month make your lunch at home and save up to £2 a day - (That’s... [Continue Reading]

Is your Identity at RISK?

Is your Identity at RISK?

‘For Sale:4 million names, addresses and credit card details’ ! We have all been warned about cybercriminals hacking into our accounts. However still we can fall victim to phishing-a process that starts with an e-mail which looks official from our bank or other financial institution. We are asked to update our bank details and invited to click... [Continue Reading]

Student loans- Are there alternative ways to repay?

Student loans- Are there alternative ways to repay?

The big idea to emerge from Perth, Western Australia is to encourage graduates to get involved with community work and by so doing to earn credits which can be used to help repay their student loans. This has the dual affect of encouraging graduates to give something back to society at the same time as helping them repay their loans. It’s a win, win... [Continue Reading]

Do you need specs?

Do you need specs?

If so ask your optician for a copy of your prescription, they are required by law to give this to you. Then go to glasses direct, and you can get a pair of prescription glasses for as little as £19. For £5 you can order a pair to try on at home and return them if you are not satisfied.  Read More →

Are you looking for accommodation and affected by the credit crunch?

Are you looking for accommodation and affected by the credit crunch?

Are you looking for affordable accommodation to rent or to buy? If so you will find there is a lot of information out there but it is all over the place. Save yourself some time and have a look at these sites, and let us know how you get on. Housing Options - Your gateway to affordable housing . Notting Hill Housing - Luminoscity Court: Current properties:... [Continue Reading]

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