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

You spend months planning the Christmas festivities: where to go, which parties to attend, what to wear, which presents you’ll give. Quite how you’ll pay for all of this often gets overlooked in the excitement. As a money saving expert it is important that I highlight how to look after your money and your credit [...]

Just as the world is warming up, the credit climate has undergone a profound change since the recession took hold the money saving expert has discovered. According to the latest Bank of England figures, around 1.6 million of us apply for some form of credit every month, from loans and cards to mortgages - and [...]

As a finance guru I am often asked for tips and advice for someone who has just been made redundant. How should they cope with protecting their finances and their credit report? The spectre of losing your job can be terrifying, especially when vacancies are at a record low. But once the initial shock [...]

Getting a mortgage is going to be a lot tougher - particularly for people with a less-than-perfect credit history or anyone whose income has previously been self-certified. The money saving expert recently heard the account of a lady who had missed one credit card payment and a council tax payment in the last twelve months. [...]

It makes sense to get wise to the dirty tactics played by the Identity fraudsters and start protecting your identity by following our finance tips to protect your finances today.It’s never been more gruelling to stay ahead of the criminals who compete to steal your ID, take over your accounts and run up debts in [...]

As the editor of talkmoneyblog ,  I am often asked if now is the best time to take on a new mortgage and buy a new home, here are my finance tips. Ask ten people whether they think the time is right to venture back into the property market and you’re likely to get a [...]

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 [...]

Cheques, utility bills and credit card payments, loan payments and mortgage payments may be held up or returned to their senders during the round of postal strikes that are causing backlogs and confusion around the country - and your credit rating could suffer as a result say the money experts who offer money saving tips.
Unless [...]

The days of easy credit are long gone - if they ever existed. Now, you need a really good credit rating to be in with a chance of getting the best deals. These money saving tips could help you.

Understand how lenders make decisions. They calculate your credit rating (or score) by giving a value to [...]

The spectre of losing your job can be terrifying, especially when vacancies are at a record low. But once the initial shock has worn off, redundancy can herald a new beginning - a chance to set up your own business, use any pay-off to clear your debts or find a role that gives a better [...]