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How can I make the most of my money?
How do I pay off my credit card debt?
Increasing central bank interest rates means that interest rates on credit cards will rise further. Credit card debt has all always been one of the most expensive debts to pay off, in terms of legal debt. Borrowing money via a credit card is going to become more expensive over the next few months as credit card companies have less access to cheap money in the marketplace.
Creating a plan to pay off your credit cards, will save you a lot of money. Higher interest rates on credit cards will mean you pay more for money you have already spent, your credit card balance, and on any new money you spend on your credit card. managing the cost of living crisis will be easier if you have less debt on your credit card.
Not all credit cards have the same level of interest. 0 percent interest credit cards are clearly less damaging to your personal finances than interest paying credit cards. Make sure you know which of your credit cards has the highest interest-rate and/or fee payment. Write down the interest-rate for each credit card and the outstanding balance on your credit card.
Some money experts recommend starting with the lowest balanced card and paying that off first. Money experts say this creates motivation to pay off more than more debt. However it is normally more financially rewarding to start with the credit card with the highest level of interest and pay it off first before moving onto the next highest level of interest card credit. What money you have available to pay off your credit cards is working harder for you in this way.
It is worthwhile contacting the credit card suppliers charging the highest level of interest and asking them for a reduction in the level of interest. They may say no but if they say yes you’re available cash to pay off your credit card it will work hard for you.
If it is an option for you, 0 percent interest credit cards are of a valuable tool to pay off credit card debt faster. Such cards, especially if you do not have one already, are not necessarily the panacea for paying off credit card debts. However, clearly if you are not paying interest on your outstanding credit card date, money do you have available to pay off credit card date works harder for you. Your outstanding debts will be paid off quicker. Transferring credit card debts from other credit cards to a 0% interest credit card will normally cost you money. Applying for a 0% credit card will impact on your credit report. Hence the reason that 0% credit cards are not the panacea for everyone but you should look into the benefits for you personally if you are serious about managing your debt levels during this cost of living crisis.
UK tax credits renewal deadline 31 July 2022
If you claim tax credits, you need to check if you need to renew your benefits before deadline 31 July 2022 .
If you haven’t received your renewal pack, you can call the tax credits helpline on 0345 300 3900 .
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1 Financial Tip For Better Life UK
If you burn through your available money on stuff and things that are not durable then it may take you longer to live in financial freedom. If you invest your money wisely, you may become free to choose what to do in your life earlier. Wisely invested money can support your life choices. If your goal is to live a life in financial freedom as soon as possible then you may need to sacrifice buying latest stuff in return for financial freedom in future.
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23 July 2022 – Rush to fix mortgage rate as lenders pull cheapest mortgage products after demand soars
The average price of a two-year and five-year fixed rate mortgage has risen by about 0.5 percent this month to 3.74 percent and 3.89 percent respectively, according to Moneyfacts – the highest since the Moneyfacts began compiling the statistics in mid-2007.
UK lender mortgage offers typically last for six months. If your mortgage is due to run out in the next six months or you are on standard variable rate mortgage, it may be worthwhile investigating an alternative mortgage deal now as mortgage rates are likely to continue rising. The Bank of England has been pushing up interest rate but many financial markets experts are still forecasting them to double from where they are now by end of 2022 start 2023.
14 July 2022 – Save money motoring costs July 2022
1 July 2022 – How can I save money on heating UK?
29 June 2022 – Debates on the best way to manage the cost to live in crisis in the UK
Do not use petrol diesel or VAT to control the cost of living crisis. The cost of living relief is not transparent enough, is ineffective at helping people who really need it and is not cost effective.
It is clear that businesses do not pass on the true savings for ever from such government action. Cutting the price of petrol by 5p a litre was circumvented by poor businesses the last time, who either didn’t pass on savings, or very quickly stopped passing on savings by increasing prices. Similar price reductions or a reduction in VAT would be similarly abused by businesses.
Cost of living risk management by governments needs to be in the form of free money distribution to the needy. Particularly as those individuals are the most likely to use any free money by spending the money in the marketplace thereby returning the free money to businesses through increased sales and the government via VAT receipts.
If the government is to address the cost of living crisis with more billions of pounds in free money, it should be distributed to individuals and businesses directly with free handouts and not a reduction in bills like petrol.
13 April 2022 – What is the cheapest supermarket to shop UK?
If you Googled Cheapest Supermarket UK could you fight back against inflation? If you carry on shopping at the more expensive supermarkets every week they will be happy to take your money without lowering their prices to entice you back! Maybe its time we all shopped more wisely to make profiteers think twice about increasing prices and maybe even start reducing prices of living in UK.
30 March 2022 – You have a year to sort your finances out!
Cheeringup.info Money Tips Magazine: UK: Interest rate will jump to at least 1% in May and continue to push mortgages up into 2023. Rents rising. UK retailers increased prices by most amount since Sept 2011. No growth means austerity policy will be brought into to pay
pandemic bill. Politicians will be exiting USA, Europe and UK. Vacuum at heart government as people reflect on quality of our leaders. Where next? Short period recession could turn into economic Depression! Will bad get worse? Now is the time to get your personal finances in order.
28 March 2022 – Cash Is Still King
In USA big investment fund managers have told the Bank of America in their March 2022 survey that they have placed even more money in cash due to the uncertainties currently experienced in the investment markets. Cash positions in their funds are now at highest levelled since the start of pandemic in March 2020. What makes this perhaps more alarming now is that inflation in USA, Europe, UK and much of the world has spiked to levels not seen for decades and set to go even higher. Higher and rising inflation means the cash held is losing value faster and faster but money management experts would rather erode the money under their management than risk investing the cash.
The UK is experiencing similar lack of confidence in the global and national economy. Consumers businesses and investment manager are sitting on billions of pounds of cash, fearful of trying to protect their cash from inflation erosion and fearing volatile investment marketplace.
Commodities like gold, grain and oil have see price rises not seen for many many decades reflecting war in Ukraine, recovery from Covid and disruption in global supply chains.
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Cheeringup.info Money Tips Magazine: If you don’t have smart meter, make sure you submit gas and electricity meter readings on 31 March, the day before bills are set to go up. #MoneyTipsUK #MoneyHacks
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Sometimes instead of saving money it is more important to clear your debts to make your available income work harder for you
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