An estimated 4 out of 5 UK individuals paid upwards of £10 billion in unnecessary taxes in 2009. They could have reduced their tax bill through perfectly legal tax planning.
A recent, somewhat worrying report by top market research group Mintel said 60% of people would not be able to support themselves financially if they were unable to work for over a year. If the unthinkable happens, where will you turn?
When you make any kind of application to borrow money, lenders will invariably check your financial credentials. How do you know if you have a good credit rating?
Knowing when it's good to use your card and when it's advisable not to will help you to enjoy the benefits of credit while avoiding the pitfalls. So when should we avoid using credit?