All of us are guilty of not guarding our spending and not saving enough.  We know that saving money matters.  However, it is much easier to control for purchasing physical items than for financial products.  For example, to buy or not buy that big ticket item that you don’t need, or this item is £50 [...]

Many UK homeowners are reading the headlines these days and coming away with a picture that is uglier than reality.  We hear things like “there is no money in the system”, “It is difficult to get loans and mortgages”, “the credit system is tied up” and similar statements.  While these statements may be true for [...]