How to prepare for retirement

It may be years off or it may be approaching soon for you, either way it is better to be prepared for retirement when it comes to it. Being prepared for retirement means that you will be able to live out your retirement without worry and to its full potential. But how do you prepare for retirement? Around two years before you are planning on retiring, it is a good idea to start thinking about what your options are for retirement and all than choices you will need to make. You can choose when you want to start taking your […]

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Ways to boost your income online

The internet is a wonderful place which connects people all across the world and provides opportunities to people that they would have otherwise never had. The internet can also become a global marketplace right at your fingertips, in which you can make money. This could be through selling your own items, promoting other people’s products or even completing online surveys. In this guide, we are going to be discussing the things, little or large, that you can do in order to boost your income. These are things you can just do in your spare time, so not a lot of […]

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How do minimum payments work for credit cards?

How do minimum payments work for credit cards?

Explaining a credit card minimum is very simple; it is the minimum that the bank requires you to repay on your credit card every month in order to avoid any extra charges. Not everyone’s minimum payment will be the same, just as not everyone’s credit limit (how much you are entitled to borrow per month) is the same. Your credit card minimum will be worked out based on your own credit card’s interest rate (APR) as well as the amount you have borrowed. Different cards will set a different standard for the minimum requirement to be repaid each month, but […]

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How to Travel on a Budget

How to Travel on a Budget

Do you catch yourself scrolling through your social feed or watching travel vlogs, daydreaming about being far, far away from home in some exotic land? But then you realise that you could never fund a once in a lifetime trip like you see on social media? If that is the case, you are not alone! Furthermore, you may be surprised how much you can actually afford. Travelling can be one of the best experiences of your life, but it does not come without a price. Travelling can be a huge expense and this can put people off actually going through […]

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How does income tax work?

How does income tax work?

How does income tax work? Want to find out more about what income tax is, and how it works? Here at Payday Bad Credit, we take a look at everything you need to know about income tax so that you fully understand the process. What is income tax? Income tax is self-explanatory in many respects: it is a tax that you pay on your income. However, it is not necessarily the case you pay it on all kinds of income but most are included, such as: Wages Profits if you run your own business (this includes websites or apps that […]

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The best ways to rebuild your credit rating

The best ways to rebuild your credit rating

The best ways to improve your chances of being approved for a loan Is your credit rating in the best possible shape it could be in? A bad credit score can happen to any of us. Our credit score does not remain static, and so depending on our financial circumstances, it can go up and down from year to year. The reality is that there are borrowers looking for payday loans no credit check, but they do not have to be. Building up your credit score can give you greater access to different loan products and better rates, since you […]

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Should you lend money to family and friends?

Should you lend money to family and friends?

Should you lend money to family and friends? If a family or friend is struggling with money, struggling in a financial emergency or is finding it difficult to get access to funds due to having bad credit, you may be asked if it is possible if you can lend them money. However, as we all know, the subject of money can quickly become a source of tension if the situation is not dealt with correctly, leading to ongoing feuds, that sometimes end up permanently damaging a relationship. Understandably, this can make you feel nervous about lending money to family and friends when […]

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What is the difference between a standing order and a direct debit?

What is the difference between a standing order and a direct debit?

What is the difference between a standing order and a direct debit? Standing order and direct debit are two terms you have probably come across many times, as they are the two most common methods to make regular or recurring payments to either individuals or companies. In many respects they are similar but their difference is crucial as these details may make one option far more appropriate to your particular needs. Standing order overview Can be set up either on the phone or online Operates in fixed amounts It functions as an instruction to the bank to pay another bank […]

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What is GDPR?

What is GDPR?

What is GDPR?  Acronyms such as GDPR can pop up in life and they can be confusing. By educating yourself on what these acronyms mean you can protect yourself and be prepared to handle the events of life. GDPR stands for General Data Protection Regulation, and it is a regulation in EU on data protection and privacy for all individual persons within the European Union. The regulation focuses largely on the exportation of personal data outside of the EU, and it tries to place control back into the hands of citizens and residents regarding their personal information to simplify the […]

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What are the Responsibilities of an Employer?

What are the Responsibilities of an Employer? Being an employer means in many cases more money, more freedom within your job and many general perks however it also means that you owe a responsibility to protect and take care of your employees. By taking care of your employees you are more likely to run a successful business and to guarantee a successful future in turn. N.B. Employers engage persons on either contract of service or contracts for services. Only a person engaged under a contract of service is an employee and therefore protected by the full range of employment legislation. […]

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