Credit cards have been around for ages and are one of the most talked-about financial products you can find. When you’re looking to have control over your personal finances and make smart financial decisions, should credit cards be on your radar? Firstly, what do they do? In essence, a credit card gives you access to credit – or money – that you effectively borrow from the credit card company. There’s a set limit on the card that you can use every month, and the idea is that you pay for things with this card, then pay the credit card bill at a later date. It’s a way of delaying your…

An investigation from HMRC can be scary, to say the least. However, if your taxes have come under scrutiny, it is important to handle the situation in the correct manner. It can be easy to worry, panic and think the worst, yet once you have got over the initial shock of the letter that you have received, you should start planning for what lies ahead. Take note of the following five pieces of advice to help you through the situation.  Find an experienced advisor – The first thing you need to do is try and remain calm, and this is often the hardest part, yet you need to think rationally…

When you are working for yourself, you need help. It is nice to believe that you can spin all of the plates and run a business while managing finances and HR, but let’s be honest: that’s stressful. Running your own business is supposed to be fun, and it’s not going to be fun if you are constantly worrying about your customers. Customer service is the backbone of your business. If you aren’t good to your customers, you’re going to struggle to have a good reputation in your business, and your reputation is going to make or break it. You need to ensure that your customers are on board with the service…