Category Archives: Credit

Infographic describing how credit card interest works

How Credit Card Interest Works

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We’ve always stated on this blog that we don’t believe that credit cards are all bad. When used sensibly they can offer extra protection when making online purchases, can offer a low cost way to spread the cost of other necessary purchases (just as long as you make your repayments on time) and it can also be handy to have one available for financial emergencies. Some credit cards even offer rewards to their customers which can really build up over time.

A simple look at the different types of credit card – Infographic

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As much as we all like to avoid taking on credit when possible, there is no denying that credit cards can be useful things to have, as they offer extra protection when shopping online, can be good for financial emergencies and they can also provide very cheap access to credit when used in the right way. And I guess that’s the key really, using them in the right way to make your credit card work hard for you, rather than the other way around.

A short guide to stock-based loans

Stock trading can sap the resources of even some of the best traders. There is always a desire to go for more and more stocks, so the trader can amass a large portfolio, and that may not leave the trader much money for other things they would like to do. While their trading may pay off in the end, it can take a while for the stock to mature and become worthwhile. As traders wait for profits, they may want to see the world, buy a car, remodel a house or do other things that they were hoping to do with the profits they earned through trading.

Words credit history written on post it note

Stop Ignoring Your Credit History

Have you ever had the experience of feeling afraid to check your bank account? Plenty of people have. More than a few of us live from paycheck to paycheck. Between the necessities and indulgences of life, it’s easy to spend all the income you have, and more. If you’ve ever accidentally overdrafted your bank account, you know this feeling.

Question mark on a black board

Small Business Loans vs Cash Advances – What’s the Difference?

In the course of doing business, borrowing cash is often an inevitability to keep your business afloat or expand. Usually, small businesses can choose between a bank loan and merchant cash advance. Depending on your needs and the urgency of the loan, these options have their own advantages and disadvantages. Here are a few things you must keep in mind when selecting which borrowing option to choose from.