When is ‘free’ not the same as ‘costs nothing’?

If you’re easily tempted by the ’30-day free’ offers that scream at us from web pages and apps these days then take what follows as a warning. Newspaper, magazine and gym memberships are all being heavily advertised at the moment and it always feels good when we think we’re getting something for nothing. But if you do take advantage of…

Read More

The Great Credit Card Rip-Off

The Financial Conduct Authority is bringing in new rules later this year to force credit card companies to intervene and help customers with  long-standing debt. Every day I get asked questions about clearing credit card debt by people who seem to be in a never ending debt spiral. Payments each month only ever seem to cover interest, with capital balances…

Read More