A month or so ago I wrote a rambling article on how we could all find out the optimum use of electric and gas by constantly testing different settings, for example by turning your central heating down or reducing the time you have your hot water heating for. What I think I was trying to […]
Month: July 2007
How Do You Keep Track Of Your Finances?
Sadly, my recent experiment with Expensr seems to have fallen by the wayside – I guess I find it just too difficult to remember to enter all of my spending in there. And this isn’t necessarily a problem with the tool itself, more to do with me both having the time to enter the details […]
Test Your Personal Finance Knowledge
Last Saturday’s Telegraph newspaper included a personal finance quiz so that you could test your knowledge of some common finance issues. I was a little bit worried that I’d fail miserably, but thankfully I got 19/20, tripping up on question 13, about the amount of capital gains tax you are allowed each year (tax is […]
Devils Advocate: Why I Want Bank Charges Court Case To Fail
This is the first in a series of posts titled “Devils Advocate”, in which I look at a personal finance issue from a slightly different angle that I would normally. I thought it might be interesting to see whether it prompts any sort of debate. Best read with a pinch of salt. So, this reclaiming […]
How Much Do You Need For A Comfortable Retirement?
For those of us in our 20s and 30s, saving for retirement is often the furthest thing from our minds, and even when we do have to think about it, estimating just how much we need in our pension pot in order to enjoy a comfortable retirement is pretty difficult. A recent survey by stockbroker […]
Money Links For 13th Jul 2007
Links to other interesting money articles on 13th Jul 2007.
More on Repaying Your Student Loan
Brad Ford made a great point on my previous post about whether to pay off your student loan or not: Without factoring in risk, paying off the student loan is an easy decision. Unfortunately, life is not without risk. Two months after you pay down the loan, you absolutely must have $1,000 for an emergency. […]
Student Loans: Pay or Delay?
Like many, I left university with some debt. I’m probably one of the lucky ones though, as it wasn’t a huge amount, compared with the average figures that students are accumulating these days, plus all of my debt was in student loans – no overdrafts, credit cards etc. I’ve been wondering recently whether I should […]
Expensr: A New Budgeting Tool
Expensr is a new budget / spending tracking tool which looks quite interesting. It allows you to monitor what you are spending money on, gives you useful visuaisation of statistics to show you where all of your money is going, and probably most interestingly, allows you to compare your spending with other users within the […]
Interest Rates: Now Highest For 6 Years
You’re probably aware that interest rates have risen once again, up 0.25% to 5.75%. This is the highest rates have been since March 2001. The graph below shows how rates have changed over the past 10 years: I think one of the key things to look at is the difference between the rates as they […]