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Category: Saving Money

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Saving Money

I recently received a call claiming to be someone reaching out from my bank, advising that my account had been compromised, and that I should transfer money over to a ‘safe account’ with them. I transferred £1,200 and it turned out to be a scam. I feel so foolish. Can you help?

#ShutOutScammers, Saving Money, Scams / May 25, 2022

Bank transfer scams are becoming increasingly common, and can be very convincing, so do not be too hard on yourself about the fact you transferred the money. Very often this type of scammer will have additional information, including personal or banking details that they can use to come across as more genuine, and appear to …

I recently received a call claiming to be someone reaching out from my bank, advising that my account had been compromised, and that I should transfer money over to a ‘safe account’ with them. I transferred £1,200 and it turned out to be a scam. I feel so foolish. Can you help? Read More »

Making the Most of our Money as Consumers – #simplifyspending

Consumer Protection, Consumer Spending, Cost of Living, Debt, Debt & Money, Household Goods, Retail, Saving Money, Sustainability / April 8, 2022

Everyone is seeing the cost of household bills and shopping increase. Whilst some are preparing to weather the storm, for many, the choice between heating and eating is becoming a stark reality. There are things we can do to reduce our outgoings and help stretch our money that little bit further. As part of Advice …

Making the Most of our Money as Consumers – #simplifyspending Read More »

Energy Bills – Demystifying the Jargon & Sources of Support

Consumer Protection, Cost of Living, Debt, Debt & Money, Energy, Finance, Ofgem, Saving Money, Tax / April 6, 2022

With all the recent news about energy increases, price hikes, and everything else that is going on in the world, it’s easy to get bogged down and confused by the jargon being used. When it comes to how we spend our money, being in the know and understanding where it is going is more important …

Energy Bills – Demystifying the Jargon & Sources of Support Read More »

Making the Most of What We Have: New Year Planning 2021

Christmas / Seasonal, Consumer Protection, Consumer Returns, Consumer Rights, Consumer Spending, Debt, Debt & Money, Finance, Online Shopping, Saving Money / March 21, 2022

We all do it. Well, I know I do. We make that list in the week between Christmas and New Year of all the things that we promise ourselves that we will do over the course of the next 12 months that will fix our lives, make us more financially stable and let us save …

Making the Most of What We Have: New Year Planning 2021 Read More »

Deadline Looming for Mortgage Repayment Holidays

Consumer Protection, Consumer Returns, Consumer Rights, Consumer Spending, Coronavirus / Covid-19, Debt, Debt & Money, Saving Money / March 21, 2022

Coronavirus has had an impact on many key areas for consumers. Job losses through redundancy and loss of income through reduced hours and closure of workplaces, has become an all-too familiar reality for many. It means that already-tight budgets are being stretched further and household expenditure is being pushed to breaking-point. In September, the Financial …

Deadline Looming for Mortgage Repayment Holidays Read More »

Advice Direct Scotland Lockdown Survation Poll

Consumer Spending, Employment, Holidays / Travel, Online Shopping, Retail, Saving Money / March 21, 2022

Advice Direct Scotland has conducted a nationwide Survation Poll assessing public opinion on a number of issues which have compounded by the public health crisis, including employment and travel. In light of the easing of lockdown restrictions in Scotland, we also sought to assess citizens’ feelings on returning to pre-lockdown activities, such as visiting bars …

Advice Direct Scotland Lockdown Survation Poll Read More »

Season Tickets, Subscriptions & Memberships – Consumer Rights Under COVID-19 Restrictions

Consumer Protection, Consumer Returns, Consumer Rights, Consumer Spending, Coronavirus / Covid-19, Saving Money / March 23, 2022

COVID-19 has drastically altered how consumers access and enjoy entertainment. Previously, we had access to many external sources of entertainment, including different ways of paying for them. However, lockdown restrictions has resulted in potentially irreversible changes to how consumers will spend money and interact with entertainment services. Restrictions have meant that many of the services …

Season Tickets, Subscriptions & Memberships – Consumer Rights Under COVID-19 Restrictions Read More »

Lockdown: An Opportunity to Prepare, Plan and Get Your Ducks in a Row

Consumer Rights, Consumer Spending, Debt, Debt & Money, Energy, Online Shopping, Pensions, Retail, Saving Money / March 23, 2022

Coronavirus has completely changed our daily lives; from the ability to see friends and family members to simple things such as popping to the shops for a loaf of bread. Reading through social media and the news is important in keeping up to date with the latest happenings but can leave us with a sense …

Lockdown: An Opportunity to Prepare, Plan and Get Your Ducks in a Row Read More »

Brighthouse Collapse – What Does This Mean For Consumers?

Company Administration / Out of Business, Coronavirus / Covid-19, Debt, Debt & Money, Finance, Financial Conduct Authority (FCA), Hire Purchase, Retail, Saving Money / March 21, 2022

This afternoon (30th March 2020), the announcement was made that Brighthouse (the biggest rent-to-own operator in the UK) had collapsed, raising questions for many consumers with regards to their rights under prior hire purchase agreements. ‘Hire-purchase’, ‘conditional sale agreement’ or ‘rent-to-own’ are all generally used to refer to an agreement between a lender (in this case Brighthouse) and a …

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Gizmos and Gadgets – Avoiding Impulse Purchases and Understanding Consumer Psychology

Consumer Protection, Consumer Returns, Consumer Rights, Consumer Spending, Debt, Debt & Money, Deliveries, Electrical, Finance, Household Goods, Saving Money, Sustainability, Technology / March 21, 2022

For most of us, the purchase of a new gadget is exciting.  Opening the box and holding something which feels and looks shiny and new can be a great feeling. This interaction between the shiny new item, the act of opening the packaging and the anticipation of the experience is an important driver in encouraging …

Gizmos and Gadgets – Avoiding Impulse Purchases and Understanding Consumer Psychology Read More »