Have you ever stopped to consider your money mindset? Have you ever really stopped to examine your money beliefs? If not then now is the time to change that. That’s because what you think and believe about money really matters.

Christmas may well be the most wonderful time of the year but it’s also got to be the most expensive. With the cost of living only heading one way, there are plenty of people looking for a cheaper Christmas this time around.

Even those who are used to going all out at this time of the year are exploring ways to cut back where they can. The problem though is that people worry that a frugal Christmas means a second-rate one. We’re here to show you that’s not the case. Here are 10 ways where you can have a fantastic Christmas without the cost of living spoiling your fun.

We live in a day and age whereby everyone posts their amazing, glamorous lives on social media, and we can start to feel like our lives pale in comparison. Of course, people exaggerate and portray themselves in the best possible light. However, it can still make us feel like we’re missing out.

We live in a day and age whereby everyone posts their amazing, glamorous lives on social media, and we can start to feel like our lives pale in comparison. Of course, people exaggerate and portray themselves in the best possible light. However, it can still make us feel like we’re missing out.

We’re living in difficult times at the moment. Facing a cost of living crisis, we all need to re-elevate our spending habits. After all, with bills increasing, it means we have less disposable income left over every month. This makes saving money more of a challenge.

Let’s be honest: getting into debt is easy. With credit cards, loans, and store cards being offered left, right, and centre, it doesn’t take much effort to rack up a significant level of debt. The problem is that debt repayment never seems quite so easy.

So credit card interest has risen to its highest amount in over a decade. We saw the recent report from Moneyfacts and found it worrying to say the least. 

If you’re an online shopper, you have probably seen the name “Klarna” popping up on the payment pages of sites like TopShop and JDSports. It’s a lending bank branding itself as a smart, funky new payment option for those of us who just can’t wait til payday to buy that new pair of trainers.

Most UK households are currently spending more than they earn.

New figures show that paying for goods with credit and charge cards is more popular than ever, with the number of card payments rising by 12.3% over the last year.

Despite the fact that credit cards impart a sort of freewheeling spirit that is sometimes difficult to manage, they’re both useful and important.

You just got married or have been dating for a while now, how do you manage your rent payments and day-to-day expenses? Is it now or never a right time to combine your finances?