Posts By: Emily Sproston

    There are a variety of different methods that scammers can use, one of them being ‘Authorised Push Payment Fraud’. The goal of this scam is to get someone to voluntarily send a payment to the scammers by posing as a legitimate business, such as a holiday provider, building company or new housing development…. Read more »

  Are you saving for the future? It’s time to start planning. 74% of Police Officers said that they’re worse off financially now than they were 5 years ago. Unfortunately, we can’t change the past, but we can help you to prepare for the future. With our simple guide to financial planning, it’s easy to start saving towards your goals. We’re… Read more »

  What is financial resilience? Financial resilience is the ability to withstand life events that impact your income or any assets you have. Stressful events, such as unemployment, divorce, and health problems can affect people’s financial resilience. What is financial vulnerability? According to the FCA, before the pandemic, around 20 million people in the UK… Read more »

  As we enter a New Year many of you might be thinking about your finances, but have you thought about how or when you should start teaching your children the importance of money? The University of Cambridge has found that by the age of 7, most children are capable of grasping the value of money…. Read more »

  Saving We try and encourage our members to save little and often throughout the year to help fund events like Christmas. If you haven’t started saving already it may be a little bit too late for this year however, it’s never too early to start thinking about next Christmas. If you started saving just… Read more »

  Recently, we have seen an increase in the number of members who are coming to us for help with debt consolidation. We have already helped thousands of our members to consolidate their debt, ranging from payday loans to credit cards, store cards and overdrafts. The main aims of debt consolidation are to bring your… Read more »

  The anticipation of waiting for your first pay cheque from a new job can be thrilling and you might be tempted to spend most of it treating yourself! There is nothing wrong with treating yourself here and there, but long term you may benefit from a financial plan to help you manage your money…. Read more »

  Do you have savings set aside for emergencies? Not sure what you should be saving for or how much you should put away? I’m going to talk through some ideas on what you could be saving for and how much you may need. Nearly 4 in 10 people found themselves out of pocket last… Read more »

  What is Stamp Duty? Stamp Duty Lan Tax (SDLT) is applied to some residential property purchases in England and Northern Ireland. Ordinarily, there are different tax rates for different purchase prices ranging from 0% (up to £125,000) to 12% (in excess of £1,500,00). How is it changing? A decrease in stamp duty was introduced… Read more »

  Saving is a great habit to get into. Whether you save a few pounds or a couple of hundred each month, it all builds up and will no doubt come in handy in the future. Short term savings Saving for the short term can mean you have a small pot of money to fall… Read more »