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Monthly Archives: July 2012

Energy Bills: What’s the Best Deal for You?

Are you on the best deal when it comes to your energy bills? Are you sure? Despite constant reminders by financial experts to switch our tariff or providers many of us would rather make do. But with times so tough economically it’s important to make savings where you can. So should I switch? The answer… Read more »

Scams at Cash Machines

UK Police have warned that there may be a rise in cash machine crime around the Olympics, with visitors and tourists being targeted. The Dedicated Cheque and Plastic Crime Unit are aware of a number of scams, and believe that over 90% of these crimes are carried out by members of organised gangs. It’s important… Read more »

This Week’s Pick of Personal Finance Posts

What a week for banking! Not only did the Co-operative buy 632 bank branches from Lloyds, but it’s also been a hot topic here on the TotallyMoney site. Cliff told us how it’s possible to use 0% money transfers to pay off debt, Emma-Lou explained the differences between ethical and traditional banks and Penny walked us… Read more »

Round-up of Ethical Banks

There is a revolution going on in banking. While up until just a very short time ago you were statistically more likely to get divorced than change who you bank with (see A Tale of Two Banks) today a smart switch can make all the difference to your hard-earned money. Ethical banks are seeing a… Read more »

Peer-to-Peer Lending: What is it and Who Offers it?

The peer-to-peer, or P2P, lending market is still relatively small in the UK, but it has recently topped £250 million. If you haven’t heard of it before, P2P platforms are places where individuals can lend money to other individuals, or businesses, hoping to make a profit on their lending. What’s in it for a lender?… Read more »

Grab a 0% Money Transfer Today!

Here’s how to inject new cash into your current account without paying any interest. If your current account is overdrawn with approval and you’re within your credit limit, then you will usually pay interest on this debt. Get back in the black While some bank accounts provide interest-free buffers to those going overdrawn, a larger overdraft… Read more »

A Tale of Two Banks

When I switched from Lloyds TSB to the Co-operative Bank earlier this year little did I know I was treading a path that thousands would soon be following. Admittedly it wasn’t the bank’s ethical credentials that appealed to me, more the £200 they were paying to anyone who would switch, but then that in itself… Read more »

Contactless Cards: What You Need to Know

When you pay on card do you find yourself thinking, “Gosh, there are a million other things I could be doing with these two minutes! If only there was a way I could pay with my card in less than ten seconds?” No? Well, ok, perhaps nobody was really calling for a quicker way to… Read more »

5 Reasons Why You Should Scrap This Year’s Holiday

So where’s it to be this year?  Here’s an idea, instead of blowing a small fortune on this year’s summer break, how about taking a real break – from debt? Because holidays cost. And if, like many people you still haven’t quite finished paying off last year’s holiday yet, adding more debt to your credit… Read more »