While the papers are full of doom and gloom about the rising price of ….well, absolutely everything, we may well be wondering what luxuries – and perhaps even essentials – we may have to give up. While we set about tightening those belts yet another notch this may be the ideal time to stop thinking ‘money’ and think ‘barter’ for the goods and services we want.
When you make any kind of application to borrow money, lenders will invariably check your financial credentials. How do you know if you have a good credit rating?
Knowing when it's good to use your card and when it's advisable not to will help you to enjoy the benefits of credit while avoiding the pitfalls. So when should we avoid using credit?
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