Author: themoneyshed

Most of us are interested in finding ways to improve our financial situation, and the evolution of the financial services sector in the last few years has created a variety of new models serving both investors and borrowers. One of the most interesting developments has been the growth in popularity of peer-to-peer lending, usually known as P2P.  For investors, the attraction of P2P lending is that it can offer substantially better returns than traditional forms of investment. The Bank of England may have eased the base interest rate up to…

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When you first launch a new business, there are many questions that you’ll need to ask yourself. For instance, what kind of products are you going to sell? Who will your ideal customer be? What are you going to do to fund your business initially, and what kind of business loan will you need? One of the most complicated questions of all, is what kind of business do you want to run? There are many different structures out there to choose from, and the one you choose can affect the…

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Life. For many of us, it gets busy at times. It can feel demanding, too. Especially when it comes to money. Budgeting helps. A lot of people find it tricky to apply it to necessities, though.  If this applies to you, don’t worry. It’s easy to limit how much you spend on vital products. You just need to know how.  To find out, read on.  Work Commute  How do you travel to work? Car? Train? Bus? Whichever transport mode you use, is it the cheapest option available? If not, you…

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Many people will have a goal to get onto the property ladder at some point in their lives. It can be one of those things that you think is distant in the future, or you may be thinking about it now. There are, of course, steps you need to take initially when it comes to getting on the property ladder. For starters, you need to build up a deposit, which can take a fair bit of times given that lenders require a decent lump sum to be put down. You…

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A family pet can often be a big decision for anyone to make. After all, whether it is a dog, a cat, or even a reptile that lives in a tank, they are a commitment that you have to make. It isn’t just about the changes to your lifestyle or the positive dynamics it will have on the family home, a big factor in the decision making process is the cost. It is an added member of the family that needs things, it needs food and regularly maintenance. So how…

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Are my assets in order? Am I able to wed and stay financially afloat? If you’re in a serious relationship, you may have asked yourself these questions.  Money worries are common. Especially when we’re headed towards a huge life change – which marriage can often be.  But if you’re engaged, don’t worry. It’s easy budget for a wedding and beyond. You just need to know how.  Our guide could help.  Effective Planning  Are you excited? If so, it isn’t surprising. You’re getting married, after all. You may very well want…

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There’s no doubt that beyond buying a house the vehicle we drive can be one of the most costly items we own. Sadly the spending doesn’t even end when you actually purchase the thing! From car insurance through to window cleaner fluid it can sometimes feel like they are never ending cashcow. Over the years I’ve bought everything from a 2nd hand car through to doing a PCP lease deal and while there is no doubt that the maintenance costs of the latter are much smaller there are still some…

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As many of you will understand, owning a horse brings immeasurable pleasure and satisfaction. It isn’t just the moments of exhilaration, the bond or the freedom you feel from riding. Reward come too from the hard work that is involved, horses are an extension of yourself and your family. Little wonder then that we do all we can to look after our horses and this includes insuring them. It is with this in mind that here we take a look at horse insurance in a bid to help you understand…

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