TalkMoneyBlog provides free financial help and information to all our readers on a regularly bases.

Here are some finance tips that suggest your credit rating could suffer as a result of you not understand what credit terms are all about. It can be hard to navigate the credit minefield, which is littered with technical terms and governed by rules many of us don’t understand. This guide is designed as a [...]

We are now a year into the credit crunch in the United states and the UK. The US president and congress launched the biggest financial stimulus package in history designed to bail out the financial sector of the US economy and the auto industry and as a consequence the world economy. The experts wanted to [...]

At a time when all mortgage lenders have shown us they do not have an appetite to lend money, along comes the Nationwide with a pioneering new niche mortgage product for their existing borrowers. Last month they introduced their ground-breaking negative equity mortgage to their clients. This will allow their borrowers to borrow up to [...]

We all need to be careful with money at the moment and money saving tips and expert advice is always welcome  - but we’re used to enjoying a high standard of living and regular indulgences. From the big things, such as a wedding or holiday, to everyday necessities, like electricity and food, these tips could help you [...]

According to Credit Action almost sixty-six percent of Britons had seen their finances stretched by the current recession. It seems that 31% of households are now so worried about the state of their finances that they are considering missing essential repayments on credit cards, loans and mortgages.  Research by Mintel has shown that over five [...]

Recessions come and recessions eventually go but if you were born in the 1980s or 1990s, you may not know what to expect or how to cope during a period of financial uncertainty. This guide gives all you first-time buyers a few pointers to surviving until the next boom comes around.
Your attitude
Stick to the essentials
Decide [...]

Does anybody know how to solve the problem?
Billions of pounds have been thrown at our banking industry to save it by the British government, unemployment has risen above two million, saving and mortgage interest rates are at their lowest levels ever, house prices are still tumbling down, inflation is high on food costs at 11.3% [...]

The Council of Mortgage Lenders says that in 2008 there were 46% fewer first-time buyers than in 2007. Those first-time buyers that did get on the housing market were reported to have put down a 22% deposit on their new home. Estate Agents and Mortgage brokers would like to forget 2008 as it was probably [...]

Roses are Red, Violets are Blue and here’s a generous valentine’s offer for you.
If you’re looking for a Valentines gift with a difference then why not take advantage of a large discount being offered by Threshers on their Bubbly. Alternately, why not stock up your wine cellar at a credit crunch discount saving money.  Threshers [...]

The new British debate is the Recession
It’s not difficult to get involved with the debate about the credit crunch and the current national and global recession.  Gordon Brown the Prime Minister is the ex-Chancellor of the Exchequer and he is well remembered for his continuous chanting of the word ‘prudent’ whenever he was delivering his [...]