Short messages on Finance and money issues from Respect Yourself, the guidance site for young people to help make good decisions in life.
Make a list of the top 25 most important things in your life, review then choose the five most crucial. Spend your time and energy on these five, and not the others.
While the payday loan lender has a representative APR of 1000%+, the credit union’s maximum APR is 42.6% – and usually no charge if you pay off the loan early.
Credit unions aim to help you take control of your money by encouraging you to save what you can, and borrow only what you can afford to repay.
Be yourself – whoever you are, however you feel, whatever life has thrown at you. If things are tough, talk about it. Samaritans can be reached on 08457 90 90 90 or jo@samaritans.org .
Credit unions can be an alternative to payday loans or doorstep lending and can help those who can’t get access to ordinary bank products.
Credit unions are local community not-for-profit financial organisations in which you can save your money or get a loan. They can also teach you how to manage your finances.
Apply waterproofing spray or polish to your shoes, to keep them in better condition, make them last longer and keep the water out.
The Home Heat Helpline (0800 33 66 99) gives information on the grants, benefits and payment schemes that you may be entitled to as well as basic steps that you can take to save money on heating bills by making your home more energy efficient.
Ready meals are often high in salt, sugar or fat. Making your own meals is healthier and works out much cheaper. Visit the NHS Choices Healthy Recipes page for healthy recipes.
At the supermarket, shelves at eye level usually contain the more expensive items. Try swapping branded products for the supermarket’s own brand.