Online shopping has grown crazily over the last few years with many people now choosing to shop online than head to the shops. The rise of online shopping has led to the demise of high streets however with the ease of access and the possibility to shop in your pyjamas, it’s easy to understand its increased popularity. There are thousands of retailers available at the click of a button, making it convenient but also super simple and scarily easy to spend all your money online.  Discount Code Sites Thankfully there…

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Running a home can be expensive, if you’re struggling to make ends meet it can be difficult to find ways to cut down on your monthly expenditure if you have this responsibility. However, it is important to make sure that you can always afford the lifestyle you lead so that you do not spiral into debt, or you could lose your home altogether. Here, we look at one of the major expenses; food, and how you can cut down on how much you spend on it. If you are struggling…

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Lunch-time, it’s the second-best part of the day, that award goes to home-time of course. That being said, lunchtime is an important part of any employees’ day, it’s the chance to take a break, relax, socialise and fuel up for the rest of the day ahead. However, lunchtime is also thwart with danger – where should we go to eat? I had that yesterday! I don’t know what I want to eat! These are familiar stories being told day-in, day-out across the country by employees taking their lunch break.  This…

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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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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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When it comes to jobs which are rewarding and enjoyable, there isn’t much which can come close to being a midwife and witnessing those first few moments of life every single day of your career. As a midwife you’ll be able to follow a parent’s journey from the first scan to the birth of their baby and it can be the most amazing thing in the world. If you are looking for a new career path this year, here are some reasons to consider being a midwife. You can study…

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So, what are your plans for today? Thinking about catching up with your Netflix box sets? Considering a day pottering around in your garden? Catching up with friends for banter and gossip? Sure, you could do those things. And there are a million other things you might do today. However… Why not take this day (or tomorrow if you’re reading this article late at night) and do those things that will ultimately improve the state of your finances. And if a day isn’t enough, then we guess a week is…

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Being intelligent with your finances can allow you to lead a comfortable lifestyle and build towards a brighter future. While it is important to treat yourself occasionally, it is also important to secure savings for the future so that you can retire and live these years doing what you want. Additionally, having savings is important in case you encounter any unexpected expenses which can be difficult to manage otherwise. Of course, saving for the future is easier said than done especially if you are currently on a tight budget. Fortunately,…

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There are a wide range of reasons why you may want to change broker. Perhaps you are not happy with their services; perhaps you have found a broker that offers a better deal than your current one; or maybe you have just decided that you fancy a change. Whatever your reason to change brokers, there are always worries under the surface that the changeover may go wrong. What can you do to help make sure that your transfer to a new broker is a smooth process?  Make sure that you…

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Traditionally, getting a mortgage was hard work. Firstly, finding a mortgage deal that was right for you involved using a mortgage broker. This was often costly, time consuming and only brought back a handful of options. The growth of the digital age has helped to make the mortgage application process much less painful than what it previously was.  Online mortgage brokers can search almost the entire product market, bringing back a wide range of deals that are perfectly suited to your personal circumstances. They can do this within minutes, replacing…

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There are many misconceptions that it’s hard to buy a house if you’re a freelancer or self-employed. Freelance mortgages are the same as normal mortgages, they just take a little bit of work to prove to the mortgage lender that you have a regular income. With high London property prices, you may think buying a house as a freelancer in London is impossible. This article will feature 8 tips for buying a house as a freelancer in London, from how to prepare for a mortgage to additional costs to consider. …

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Is becoming a paralegal something you want to do? Do you have your eyes set on a career in the field of law? Paralegal jobs can be appealing since you are likely to be doing something different every day. Some people incorrectly believe a paralegal is a lawyer, but this is not the case. The problem lies within the fact that job descriptions for paralegal differ dramatically. Paralegal is a catch-all term, encompassing various different roles. Your role as a paralegal all depends on the organization you work for and…

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