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Your pre-Christmas credit work-out You spend months planning the Christmas festivities: where to go, which parties to attend, what to wear, which presents you’ll give.

What really matters to Finance Lenders Money saving expert says if you still believe that eating crusts will make your hair curl and that elephants are afraid of mice, you might also be clinging to some myth about credit - and that could be harming your chances of getting the deals you need when it comes to a homeowner loans, unsecured loan, credit cards, a mortgage or even something as simple as a catalogue or mobile airtime account. In the current climate, it’s time to grow up and find out what really matters to finance lenders - and what’s as irrelevant as a black cat crossing your path. Myth 1: Credit reference agencies decide whether I qualify for a deal Lenders make this decision on a case-by-case basis - the credit reference agency has nothing to do with the decision.

Grandmothers' Money Saving Tips The options you may consider are stealing although this is certainly not recommended by the money saving expert . You could buy ready made meals, shop at your local town market or you could switch supermarkets from the likes of Sainsbury’s to Asda or Lidl.

Grandmothers' Money Saving Tips The options you may consider are stealing although this is certainly not recommended by the money saving expert .

Money saving tips to help you tighten your belt and save money As a money saving expert I am often asked for tips and advice for someone who has just been made redundant. How should they cope with protecting their finances and their credit report? The spectre of losing your job can be terrifying, especially when vacancies are at a record low

How to Beat ID fraudsters It makes sense to get wise to the dirty tactics played by the Identity fraudsters and start protecting your identity by following our money saving expert to protect your finances today.It’s never been more gruelling to stay ahead of the criminals who compete to steal your ID, take over your accounts and run up debts in your name. From the moment your post is delivered in the morning to the time you log off a favourite social network at night, there are hazards built into your routine. Getting past them safely is a 21st century equivalent of winning an old-fashioned obstacle race

As the editor and the money saving expert here at talk money blog I am often asked if now is the best time to take on a new mortgage and buy a new home, here are my money saving tips . Ask ten people whether they think the time is right to venture back into the property market and you’re likely to get a different answer from every one

How to Beat ID fraudsters – Money Saving Tips It makes sense to get wise to the dirty tactics played by the Identity fraudsters and start protecting your identity by following our expert money saving tips to protect your finances today.  It’s never been more gruelling to stay ahead of the criminals who compete to steal your ID, take over your accounts and run up debts in your name. From the moment your post is delivered in the morning to the time you log off a favourite social network at night, there are hazards built into your routine

Cheques, utility bills and credit card payments, loan payments and mortgage payments may be held up or returned to their senders during the round of postal strikes that are causing backlogs and confusion around the country - and your credit rating could suffer as a result say the money experts who offer money saving tips . Unless you have set up direct debits for all your regular payments, you could miss a payment or discover too late that the cheque you posted in plenty of time failed to reach its recipient by the latest acceptable date.

You may think the odds are in your favour when it comes to being a victim of identity fraud. But using other people’s stolen personal details to obtain credit and commit scams is one of the UK’s fastest growing crimes - and the fraudsters are always on the look out for ways to up their game. So it makes sense to get wise to their dirty tactics and start practising some fancy defensive footwork of your own