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What’s The Point In Saving For Retirement? I Could Be Dead By Then!

What’s The Point In Saving For Retirement? I Could Be Dead By Then!featured

I often see people arguing that there’s no point in saving for retirement because there’s no guarantee you’ll live that long. “I could be dead by then!” “If I die, I can’t take it with me!” “I may as well live life to the full while I’m young!” Although I do believe it’s important to live every day Read more

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Help to Buy ISA Scandal: Is It Still Worth Having One?

Help to Buy ISA Scandal: Is It Still Worth Having One?featured

Oh dear. You know the Help to Buy ISA? That sort-of-savings account that allows you to save £200 a month and rewards you with a 25% government top up towards a deposit on a house? Well… It turns out that this *amazing* government top up, which they specifically told us could be used on a deposit, can’t actually Read more

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5 Reasons I’m No Longer In A Hurry To Buy My Own Home

5 Reasons I’m No Longer In A Hurry To Buy My Own Homefeatured

Over the last few days, journalists, economists, politicians and property experts have been going crazy at the news that home ownership in England has fallen to a 30 year low. I find it funny how so many experts are acting surprised at this news when those on the ground, in the trenches, are a bit like “no shit? My Read more

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15 People Explain Why You Shouldn’t Be Ashamed Of Living With Your Parents In Your Twenties

15 People Explain Why You Shouldn’t Be Ashamed Of Living With Your Parents In Your Twentiesfeatured

As someone who spent almost 2 years living with my parents from the age of 24, I know what it’s like to get stick for being part of the ‘boomerang generation‘. For some reason, there are people out there who assume that all adults who live with their parents are lazy, spoilt and immature. This isn’t the Read more

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4 Reasons I’m Stressing Out About My Lack Of Retirement Savings

4 Reasons I’m Stressing Out About My Lack Of Retirement Savingsfeatured

If you’re in your twenties, you’re probably tired of older generations nagging you to save for retirement. After all, with houses, cars, weddings and holidays to save money for, there are far more imminent life events to consider. While our elders seem to be stressing out about our empty pension piggy banks, most millennials I’ve spoken to seem Read more

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Everything My Boyfriend And I Bought In Our First Month Of Living Together

Everything My Boyfriend And I Bought In Our First Month Of Living Togetherfeatured

It’s been two months now since Jake and I got the key to our new flat and moved in together. Neither of us have lived with a partner before, so this was an exciting (and eye-opening) life milestone for the both of us. When we told our families and friends about our successful flat hunt, we were Read more

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7 Things I Learned From Having 3 Jobs In 12 Months

7 Things I Learned From Having 3 Jobs In 12 Monthsfeatured

Job hopping has long been considered the ultimate career sin, with many employers and recruiters saying it can have an impact on the way they perceive a potential candidate. Although I would never label myself a ‘job hopper’, I’ve worked at three different companies in the last 12 months. I had good reasons to switch Read more

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High Interest Debts or Quick Wins: Which Debts Should I Pay Off First?

High Interest Debts or Quick Wins: Which Debts Should I Pay Off First?featured

Which debts should be paid off first? This question has caused arguments amongst personal finance experts for decades. Some insist you should prioritise high interest debts and others advise you to tackle the small ‘easy’ debts first. So what’s the answer? Technically there’s no right or wrong solution. It’s all about doing your sums and finding Read more

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Is It Ever Wise To Buy A Car On Finance?

Is It Ever Wise To Buy A Car On Finance?featured

An old friend of mine posted a photo on Facebook recently of her new BMW. Although I don’t have a clue what model it was because I’m not particularly big on cars, I’m going to be completely honest here and admit I did feel ever so slightly jealous. These are the thoughts that went through my head: “She must Read more

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Santander 123 Halves Interest Rate To 1.5%: What Should You Do With Your Money Now?

Santander 123 Halves Interest Rate To 1.5%: What Should You Do With Your Money Now?featured

Santander has announced that on 1st November it will be halving the interest rate on its Santander 123 current account to just 1.5% rather than 3%. When I heard the news this morning I almost shed a tear. Okay, not really, but still. I only opened a Santander 123 account a few months ago. Since then I’ve Read more

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Is Dave Ramsey America’s Martin Lewis?

Is Dave Ramsey America’s Martin Lewis?featured

Ever since I started reading American personal finance blogs and listening to money saving podcasts, one name has cropped up on numerous occasions – Dave Ramsey. For a long time, I automatically assumed he must be America’s answer to Martin Lewis. It seemed as though he’s built a reputation as one of the United States’ most influential people in terms of Read more

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7 Canadian Money Bloggers Every 20-Something Should Follow

7 Canadian Money Bloggers Every 20-Something Should Followfeatured

As much as I love my fellow money saving bloggers right here in the UK, over the last year or so I’ve been reading an increasing number of blogs from those across the pond in both the US and Canada. So I thought I’d start sharing a few of my favourite overseas personal finance bloggers with you. Read more

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20 Ways I’ve Improved My Finances In My 20s

20 Ways I’ve Improved My Finances In My 20sfeatured

Managing your money in your twenties can be extremely difficult. Whether you’re in student debt, working a low paying job or facing ridiculously high rent, staying out of the red and building your wealth can be a real challenge. However, if you’re willing to make a few life changes and start tackling money issues head on, it’s certainly Read more

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The Rising Price Of A Freddo Speaks Volumes About The Financial Difficulties Millennials Face

The Rising Price Of A Freddo Speaks Volumes About The Financial Difficulties Millennials Facefeatured

Whether we’re being called lazy, entitled or spoilt, we millennials get plenty of stick. But do you know what? I’m getting tired of being lectured by people who lived in an era where property prices were reasonable, tuition fees weren’t extortionate and Freddo chocolate bars were an affordable 10p. If you’re in your mid twenties, you probably Read more

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Women: How To Be Successful At Work Without Being Threatening

Women: How To Be Successful At Work Without Being Threateningfeatured

I don’t know about you but whether I’m feeling like an impostor, self-censoring my own tweets because I don’t want to appear too opinionated, or apologising for existing, I often feel like I’m the poster girl for the overly polite working woman stereotype. I triple and quadruple check my emails before sending them, painstakingly analysing every word. I Read more

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How Pokemon GO Is Changing The World One Pocket Monster At A Time

How Pokemon GO Is Changing The World One Pocket Monster At A Timefeatured

We’ve spent the last few months glued to our phones. Whether we’ve been tweeting support for #BlackLivesMatter, arguing with our grandparents about the Brexit result, or condemning brutal attacks on humanity, it’s been hard to escape the suffocating negativity and harrowing news stories in recent months. And yet, over the last couple of weeks, we’ve been given something to smile about. Read more

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#IAmAFeminist: 20 People Explain Why Feminism Is Still Needed And Their Tweets Are Utter Perfection

#IAmAFeminist: 20 People Explain Why Feminism Is Still Needed And Their Tweets Are Utter Perfectionfeatured

Earlier this week #IAmAFeminist trended on Twitter and thousands of people around the world joined forces to explain why they embrace the feminist label rather than shy away from it. Here are just a few of my favourite responses… #IAmAFeminist because if equal rights makes you uncomfortable, maybe it’s time you got out of your Read more

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How To Save Money On Spotify Premium Now It’s No Longer 99p

How To Save Money On Spotify Premium Now It’s No Longer 99pfeatured

Every so often, Spotify launches a fantastic deal offering 3 months Spotify Premium for 99p. If you’re a music lover, this may sound too good to be true. After all, since Spotify Premium usually costs £9.99 a month, this gives you a huge saving of £28.98! Unfortunately, after relaunching the offer for new customers in May, Read more

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The Best Gluten Free Restaurants in Manchester

The Best Gluten Free Restaurants in Manchesterfeatured

The hardest parts about following a gluten free diet? Feeling left out during social situations! Whether you’re going for a meal for a relative’s birthday or your friends are filling their faces with takeaway pizzas after a night out, if you don’t choose a restaurant, cafe or takeaway carefully, you can sometimes be left eating a salad or nothing Read more

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I’m In A Great Position To Start Investing. So What’s Stopping Me?

I’m In A Great Position To Start Investing. So What’s Stopping Me?featured

In recent months I’ve been reading numerous articles and listening to countless podcasts created by people who have achieved financial independence. If you’re unfamiliar with this term, here’s an explanation in a nutshell: “Financial independence typically means having enough income to pay your living expenses for the rest of your life without having to work full time” Read more

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You Don’t Need To Own Your House To Make It Your Home

You Don’t Need To Own Your House To Make It Your Homefeatured

When I moved in with my parents almost two years ago to save money to buy my own place, one of my primary motivations was my longing to make a house a home. Having spent years living in grotty student accommodation and a mouldy rented flat with a giant hole in the bathroom ceiling, I assumed I’d never Read more

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15 People Discuss How Much Money You Should Save For An Emergency

15 People Discuss How Much Money You Should Save For An Emergencyfeatured

According to a 2014 survey, a quarter of Brits have no money set aside for a rainy day and 60% have less than £1,000 saved. Considering how expensive it is just to live (and by this I mean put a roof over your head, eat beans on toast, and pay your Netflix subscription because it’s cheaper than leaving Read more

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17 Money Bloggers Explain What Inspires Them To Save

17 Money Bloggers Explain What Inspires Them To Savefeatured

Earlier this week I asked a bunch of money bloggers one question: “Why do you save money?” From saving for a big holiday to squirrelling money away for an early retirement, there are so many reasons why someone might choose to save money. So when my fellow personal finance bloggers started to respond,  it was interesting to see just how diverse Read more

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8 Ways Brexit Could Affect Students

8 Ways Brexit Could Affect Studentsfeatured

Last week we watched months of campaigning, lengthy debates, and political posturing come to a grisly end, when the UK voted to leave the EU. Whichever way you voted, it’s hard to deny that we probably face months or even years of economic and political uncertainty. The referendum kicked off a Labour leadership coup and the resignation of Read more

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5 Ways Job Hopping Can Boost Your Career

5 Ways Job Hopping Can Boost Your Careerfeatured

Job hopping has long been considered the ultimate career sin, with countless employers and recruiters citing it as one of the primary reasons candidates get turned down for a job. However, while it may have once been the norm for workers to stay with the same employer for the majority of their career, such loyalty Read more

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My Boyfriend’s A Scot & I’m A Spaniard: I Fear The Impact Brexit Could Have On Our Future

My Boyfriend’s A Scot & I’m A Spaniard: I Fear The Impact Brexit Could Have On Our Futurefeatured

Today I’m featuring a guest post from my good friend, Mireia Nicolàs. Mireia and I have been friends since we met at Salford University in 2008. Originally from Valencia, Mireia came to the UK to study, all thanks to the Erasmus Programme, an EU funded student exchange initiative founded in 1987. Following the results of Read more

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Young People, Brexit and Wise Proverbs: “Where The Hell Are Our Trees?”

Young People, Brexit and Wise Proverbs: “Where The Hell Are Our Trees?”featured

Many patriotic Brexiteers believe that leaving the EU will benefit future generations. They believe in short term pain for long term gain. “We’re not doing this for us,” they say. “We’re doing this for future generations.” There’s a wise proverb that says: ‘A society grows great when old men plant trees whose shade they shall never sit in’ Read more

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Improve Your Finances During Your Lunch Break With This 10 Minute Task

Improve Your Finances During Your Lunch Break With This 10 Minute Taskfeatured

As you’ll probably know by now, I’m a liiiiittle bit money obsessed. I love finding ways to make extra cash and watching my money grow. As a result, I probably check my bank balance far too often in the hope my finances will have magically improved since the last time I looked. Well, I was in for Read more

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Ask Yourself These Questions Before Paying Off Your Partner’s Debt

Ask Yourself These Questions Before Paying Off Your Partner’s Debtfeatured

It’s not unusual for unmarried couples to find themselves in drastically different circumstances financially. In the early stages, where you’re just dating and seeing how things go, this is rarely an issue. But when you move in together or start talking houses or marriage or babies, suddenly your polar opposite finances may become a concern, particularly if you have Read more

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How Collecting Bank Accounts Is Helping Me Maximise My Savings

How Collecting Bank Accounts Is Helping Me Maximise My Savingsfeatured

Beanie Babies, Pokémon cards and The Simpsons memorabilia – I’ve had my fair share of collections over the years. Now that I’m 26, I’m pleased to announce I’m no longer hoarding Pogs or gel pens and instead, I’m collecting something really sensible – bank accounts. Seriously. What has happened to me? I used to think the world of banking was terrifying Read more

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