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Spending

Mortgage risk: a checklist

Having a big mortgage on your personal balance sheet dramatically shifts your financial posture.

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Can you cope with higher mortgage rates? Best check before you have to.

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The Finumus household is enjoying its first interaction with the student loan scheme in 30 years. Our eldest is (hopefully) off to university in the autumn. Our youngest will be going two years later. Just to keep things interesting, the government is completely overhauling the student loans system for the 2023 intake. Hence we get [...]

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Rewiring your money mindset to go beyond standard savings tips

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Credit cards can punish those who spend recklessly by sinking their finances into the red. But deployed in the right way, a credit card can equally be a powerful financial tool. Consider a sharp knife. You wouldn’t be without out one in the kitchen – but you also have to respect the risk of causing [...]

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This is part six of a series on planning and paying for later life social care costs. We’ve previously: Explored why your care needs likely won’t be funded by the state. Discussed the means test, and which of your assets are counted or disregarded. Highlighted the mechanics of the key social care funding thresholds that [...]

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How to spend money

During the final few years of my extended graduate student lifestyle, I wondered if I’d ever spend money like a normal person. House-sharing in my early 40s was still fun. I lived with an old friend – a should-be standup comic – and my picaresque romantic life was heavier on the romance than the ‘life’ part. So [...]

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How to save money on travel

Don’t blow your budget just because you’re blowing town for a while…

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Before you bag a new mortgage, do the maths…

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This article on meal boxes is by The Mr & Mrs from Team Monevator. Check back every Monday for more fresh perspectives from the Team. For years, money slipped through the fingers of The Mr and me. Our outgoings kept pace with – and often outstripped – our earnings. Even once we’d noticed this insidious ‘lifestyle creep,’ our [...]

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This piece on Section 75 is by The Treasurer from Team Monevator. Check back every Monday for more fresh perspectives on personal finance and investing from the Team. I was once scared of credit cards. I believed saving up for things I wanted to buy was always the right thing to do. Credit cards were [...]

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This article on comparing the cost of electric car ownership to a traditional option is by The Dink from Team Monevator. Check back every Monday for more fresh perspectives on personal finance and investing from the Team. With dual incomes and no kids (DINK), you can have more fun selecting a car. We’ve gone through [...]

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What is the advantage of choosing an offset mortgage – assuming you’re even lucky enough to be able to get one?

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Will your family’s best friend get in the way of your financial freedom?

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Don’t waste money buying expensive gifts

You can give your credit card a break by giving less expensive presents, but there’s a catch – they need to *mean* more…

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Is it worth giving up coffee for a million pounds? The latte factor claims it’s your decision to make…

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