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

The Money Saving Expert has discovered that in the last five years, most people’s attitude to their credit status was, “It must be OK - I’m always being offered cards and loans.”
Today, things couldn’t be more different. Banks facing the combined effects of the credit crash and recession have tightened their lending criteria so that [...]

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 [...]

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 Money Saving Experts advise us that we are in the midst of probably one of the worst financial year on record. We have seen the meltdown of our financial markets, motor manufacturing, housing and retail markets. These markets are all fighting their way through this recession for their survival and existence. Already some great [...]

If you’re one of the many women who see shopping as a form of recreation, you could be heading for a tough financial future.
A recent survey by Cosmopolitan found that 64 per cent of readers were in debt, with more than half owing upwards of £5,000 on credit cards or store cards. This new generation [...]

The effect of the global economic downturn is having serious consequences for homeowners through out the UK. Homeowners with families are worried about not being able to pay their mortgage commitments as their jobs are affected by the recession. Expert advice and help is being sought by people from all walks of life that are [...]

If you’re one of the many women who see shopping as recreation, you could be in for a nasty shock.
A recent survey by Cosmopolitan found that 64 per cent of its readers were in debt, with more than half of these owing upwards of £5,000 on credit or store cards. This new generation of debt [...]

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 [...]

It looks likely that the government will soon introduce legislation to crackdown on the credit card industry. Proposed legislation will hopefully put a stop to credit card companies increasing credit limits without a direct request from the customer. In the past credit card providers have increased the amount a client can borrow by just writing [...]

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% [...]