Switch? On or off?
An announcement from the Payments Council this week confirmed that things were still on track for the overhaul of the system that allows customers to change current accounts. And it’s not before time. There’s a bit of research that… Continue reading
Do you buy apples when you need oranges?
Every penny that is spent on a daily, weekly and monthly basis needs to be well spent these days. Making sure that we get value for money is not the same as buying the cheapest you can find, and we… Continue reading
Do I need a receipt?
‘I don’t care if it doesn’t work. We can’t take it back if you don’t have a receipt.’
Oh yes they can.
It’s one of the oldest clichés trotted out by shop staff when faced with a customer they don’t… Continue reading
Am I really just renting my house?
For years now more and more of us have been switching our home loans to interest-only, where all we do is service the loan every month by paying interest. In some respects we're renting the property since we are not repaying the money we borrowed to 'buy' it and we are effectively gambling on the fact that increasing capital values will give us a bit of equity when we come to sell. And of course the upside in the short term is that our monthly home loan bills are smaller. Continue reading