How to get a loan without being scammed

Getting a payday loan is an excellent way to receive an extra boost of cash if you are struggling with money unexpectedly, for example, due to an emergency expense that you haven’t budgeted, or you are short of money until you receive your next paycheck. However, when deciding to get a payday loan you should carefully consider the lender that you choose, as you do not want to end up becoming part of a scam. We take a look at the ways in which you can protect yourself. Follow our guide so that you can be savvy and avoid less than […]

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How to save money around the house

How to save money around the house

How to save money around the house More or less, we are always trying to find ways to save that little bit of extra money, for example, it may be for a luxury holiday, to pay off debts, or to get us one step closer to buying that dream home we’ve spent years thinking about. Whatever it is, there are simple ways you can cut down on costs, in fact, the very first place you can start doing so is simply by saving money around the house. Payday Bad Credit looks at the number of ways you can put some […]

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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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Self-employed vs sole trader – what is the difference?

Self-employed vs sole trader – what is the difference?

Self-employed vs sole trader – what is the difference? Wondering what the exact difference is between being a sole trader and being self-employed? At times there can lack real clarity as to what the variation is between the two of them, and it can be especially unclear if you are new to the world of self-employment. Payday Bad Credit is going to explore the way in which they differ and the responsibilities each incurs. How do they differ? Being self-employed and being a sole trader differ because one refers to a legal status and the other doesn’t. Being self-employed simply […]

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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 a credit limit?

What is a credit limit?

What is a credit limit? A credit limit is the maximum amount of money that you have been permitted to spend on your credit card.  A credit card works essentially like a type of loan which proves you the option to borrow a certain amount each month and then repay at the end of the month. A credit limit is, therefore, the barrier for how much money you are allowed to borrow. If we think of it like this: If Lucie has a credit card with a credit limit of £3000, if she has spent £2500, she has £500 to go […]

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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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