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

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 Financial Services Authority (FSA) has released their mortgage market review discussion paper and they have outlined their proposal for tougher regulations. It is evident that they will be more authoritarian and intrusive in the way they regulate the mortgage industry in future.
The FSA want to control the industry as they believe the industry is [...]

If you believe everything in the news these days, it’s almost impossible to get a good deal on credit. Luckily, that’s just not true. If you have a good credit rating, you can still qualify for some great deals - whether you want a card, loan, mortgage or simply the right mobile airtime package. Follow [...]

The United Kingdom personal debt today stands at £1,458 billion and the government intend to increase their debt to £175 billion this year and similar figures for the next three years. The latest figures available from Credit Action this month suggests that the average household debt is £59,765 including mortgages, £1.02 billion will be spent [...]

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 [...]

If you developed a strange rash that just wouldn’t go away, you’d visit your doctor - but it’s amazing how many people who listen to health warnings don’t do the same when it comes to wealth warnings.
Now more than ever, it’s crucial to monitor your debt levels to prevent a slide into the financial mire [...]

 What’s in your credit report?
Credit references agencies - the largest in the UK is Experian - collate information about your financial background and past behaviour and format this data into your unique credit report.
You can see your credit report online now for free with CreditExpert, the credit monitoring service from Experian. To find out more click [...]

Technically we are told by the government that we are in a recession when we have two quarters of negative growth in our economy. Mervyn King the Governor of the Bank of England has just admitted that we are entering a recession. It’s funny that most of us have known for the last six months [...]