Articles by Brean Horne:
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The 2022 Household Debt Report
Our NerdWallet research reveals the current debt status of 2000 UK consumers to find out about their level of consumer debt and their concerns about the increasing cost of living.
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Is Black Friday Worth It?
Black Friday is one of the biggest shopping events of the year for UK consumers, but there are growing concerns about whether it offers real value. Find out if Black Friday deals are worth it and how to spend wisely over this four-day shopping event.
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How to Get Help with Childcare Costs
There is a lot of support available if you need help with childcare costs. From claiming free childcare hours to sharing a childminder with other parents, we run through 13 ways to help pay for childcare.
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Cheap Train Tickets: 15 Ways to Save Money on Rail Fares
Rail fare rises can feel out of our control but there are many ways to get cheap train tickets and save money. From booking in advance to travelling in groups, we share how to get cheap train tickets and cut the cost of your journey.
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Spring Statement Highlights 2022: How Will It Affect Your Finances?
The Spring Statement gives an update on the overall health of the economy since the Autumn Budget. From changes in National Insurance to a cut in fuel duty find out how the measures announced in the March 2022 Spring Statement affect you.
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38 Ways To Save Money on Your Food Shopping
There are lots of ways to save money on food shopping, from clever budgeting tricks to extending the shelf life of your groceries. Read on to find out how you can cut the cost of your next food shop.
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Cheap and Free Things to Do in Half-Term
From exploring castles to free tennis lessons, we round up 17 cheap or free things to do in half-term to keep your kids entertained.
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How to Manage the Rising Cost of Living
UK households are facing more financial pressure than ever as the cost of living rises at its fastest rate in decades. From saving on energy bills to managing debt, we explain how to manage price rises and where to get financial help.
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My First Home: "I Was Over The Moon When I Collected The Keys"
From saving up a deposit to finding the perfect home in South East London, we follow a recent first-time buyer in our My First Home series.
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6 Things To Do With Unwanted Christmas Gifts
If your Christmas presents missed the mark this year, try one of these six simple ways to get the most from your gift.
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33 Christmas Money-Saving Tips
There are many ways to save money during the Christmas period. It all starts with setting a realistic budget to help avoid overspending. Read on to find out how our money-saving tips can help you save over the festive period.
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Five Ways To Save For A House Deposit
Are you ready to start saving for your first home? From tips on budgeting to how to boost your savings, find out how you can build up a lump sum for your house deposit.
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Fuel Shortage: How to Save Fuel When Driving
Petrol stations across the UK have begun to close their doors as fuel supplies at the pump dwindle. Read on to find out how fears of a fuel shortage have affected fuel supplies at petrol stations and simple steps you can take to save on fuel in the long term.
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Why has my Credit Score Gone Down?
There are many reasons why your credit score might go down. Some may only cause temporary dips, while others may take longer for your credit score to recover. Find out some of the common causes of your credit score dropping and how you can improve your credit history.
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Child Trust Funds: how to find lost accounts and manage your savings
More than 100,000 teenagers in the UK could be missing out on money in a lost Child Trust Fund account. Learn how Child Trust Funds work and the best way for young savers to make a return on their money.
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What is the average credit score in the UK?
Credit reference agencies each have their own system to calculate your credit rating, which makes it tricky to find a universal average credit score in the UK. Find out how your credit score is calculated and what is a good credit score.
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Cryptocurrency scams explained
Cryptocurrency scams are rising as digital currency becomes more popular among investors. Find out the most common types of cryptocurrency scams and what to do if you think you’ve been affected by one.
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Can You Get a Mortgage with Bad Credit?
You can get a mortgage with bad credit but the deals on offer may be limited and more expensive. Find out how bad credit mortgages work and whether it’s worth applying for one.
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What is forex trading and how does it work?
Forex trading involves buying and selling currencies to make a profit. It’s become the largest financial market in the world and you don’t need much money to get started. Here, we explain what forex trading is and some of the pros and cons to consider before investing.
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Is it Better to Rent or Buy?
Both renting and buying a home have pros and cons. The right option for you will depend on your circumstances and financial goals, so read on to find out more.
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15 ways to improve your credit score
Improving your credit score can help boost your chances of getting financial products such as loans, credit cards and mortgages. Here, we run through 15 simple tips and tricks that could help you improve your credit rating.
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Stamp Duty: How Does it Work and What Will You Pay?
Stamp duty is a tax you pay when buying property in England and Northern Ireland. How much stamp duty you pay will vary depending on whether you’re a first-time buyer and the value of the property.
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The Dangers Of Buy Now, Pay Later Schemes
Buy now, pay later schemes can be a handy way of instantly buying an essential item, but look a little deeper and you might find some nasty interest rates. Read on to find out the dangers of these schemes, the associated charges, when they can be useful and alternatives to these schemes.
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3 Big Cost of Living Scams and How to Avoid Them
Increasing financial pressure may leave households across the UK more vulnerable to cost of living scams as they look for ways to ease the strain on their finances. We investigate three scams to watch out for.
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Stamp Duty Cuts: Are House Buyers in a Better Place Now?
With an average house price of £295,000, and the cost of getting a mortgage becoming more expensive, are the government’s cuts in stamp duty enough to get the UK’s housing market moving?
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Why Do I Have No Credit Score?
There are many reasons why you might not have a credit history. Read on to find out what to do if you don’t have one and simple ways to start building your credit score.
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“I Saved £40,000 In Less Than 10 Years to Buy My First Home”
After almost a decade of saving up a deposit of £40,000, we follow a recent first-time buyer as she buys her first flat in the latest article in our My First Home series.
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What is a County Court Judgment (CCJ)?
A county court judgment (CCJ) is a court order given to borrowers who cannot repay their debts. Read on to find out how CCJs work and whether they affect your credit history.
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Would You Take Out a Loan To Pay for Your Groceries?
Food prices continue to surge as the cost of living crisis escalates in the UK. But are struggling shoppers considering loans to cover the cost of their rising grocery bills?
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Can You Get a Student Loan with Bad Credit?
You can get a student loan with bad credit to cover tuition fees and maintenance costs. Find out how you can access funding.
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What Is an IVA?
Individual Voluntary Arrangements, or IVAs, are legal agreements that can help you pay off your debt at a more affordable rate. Read on to find out how they work and whether they could be an option for you.
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What is a Bad Credit Score?
If your credit score is on the low side, it may affect your chances of taking out products, such as loans, mortgages and credit cards. Find out what counts as a bad credit score and how to improve it.
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Savings Cut to Cope with Cost of Living Crisis
Almost half of Brits have cut their savings, investments or pensions due to the cost of living crisis, a new NerdWallet study has revealed. But find out what to consider before making any decision that could have a negative impact on your long-term finances.
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How Long Does it Take to Get a Bridging Loan?
Getting a bridging loan can take between 72 hours and two weeks to complete, or perhaps even longer. It is rare, but some bridging loans can be arranged in just 24 hours. Having the necessary paperwork to hand and using an experienced solicitor could help you get a bridging loan faster.
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Bridging Loan Criteria: Are You Eligible for Bridging Finance?
Each lender will have its own individual bridging loan eligibility criteria and requirements that must be met if you’re to successfully apply for bridging finance. The security you’re offering and your exit plan are among the most important lending criteria that will be assessed.
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Companies that Accept Bitcoin in the UK
The number of companies that accept Bitcoin in the UK is growing. Read on to find out which retailers offer Bitcoin as a payment option.
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Small Business Grants & Start Up Business Grants in Wales - UPDATED
There is a range of small business grants in Wales available to help growing companies in the region. Find out how much you could potentially claim for your business.
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Business Grants for Women - UPDATED
There are several business grants for women available in the UK to help entrepreneurs kickstart or grow their companies. Read on to find out what they offer and how to apply.
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Mortgage Interest Rate Calculator
Use our mortgage interest rate calculator to estimate how much your repayments could change if interest rates fluctuate.
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How Much Can I Borrow for a Mortgage?
Get an instant estimate of how much you could borrow to buy a home using our mortgage calculator. Add your details below to get started, or read on to learn more about mortgage affordability.
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Stamp Duty Calculator: How Much Will I Have to Pay?
Our stamp duty calculator can help you work out how much Stamp Duty Land Tax (SDLT) you’ll need to pay when buying a home in England or Northern Ireland. There are different stamp duty thresholds, and some buyers may be exempt from paying any tax at all.
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Mortgage Overpayment Calculator
A mortgage overpayment calculator can help you estimate how much you could save by paying more towards your mortgage each month. Find out how making mortgage overpayments could help you pay off your mortgage faster.
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Mortgage Repayment Calculator
A mortgage repayment calculator can help you estimate how much you’ll need to pay your lender each month. Find out how much your monthly repayments might cost you using the calculator below.
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How Many Businesses Fail in the First Year in the UK?
Starting a business can be an exciting opportunity, but around one in five small businesses fail within their first year. Find out which regions and industries have the highest business failure rates and common problems affecting small businesses.
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UK Small Business Statistics 2022
Small businesses make up the largest part of private sector companies in the UK. Read on to find out the latest small business statistics in the UK, including how many small businesses operate and where they are located.
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Rail Fare Increases: Why Have Train Ticket Prices Increased?
Rail fares have increased at their fastest rate in almost a decade. Find out why rail fares are going up and how to find cheaper train tickets and save money on transport.
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What is Conveyancing?
When you are buying or selling your home, conveyancing is the legal process you’ll need to go through to make sure that ownership is legally transferred to the buyer. Read on to find out what’s involved, how much it costs and how long it can take.
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