Have you heard about the PPI deadline? If you’ve seen any adverts with Arnold Swarchenegger's head shouting at people to “do it now”, then you likely have heard about the deadline. The “do it now” refers to making up your mind if you’re going to claim PPI. For over seven years, the banks have been paying customers back for misselling PPI. The Financial Conduct Authority (FCA) has decided to put a deadline in place to ensure that all PPI … [Read more...]

Insuring a mobile phone can be one of the most financially sound choices that you will ever make. Not only will a policy provide you with peace of mind, but you can rest assured that you are covered if the unit is lost or damaged. However, not everyone can afford comprehensive policies. If you are on a tight budget, how can you find a sound policy that will not place you in financial jeopardy? We will take a look at four suggestions … [Read more...]

It’s no secret that purchasing a home is complicated. There are countless fees, endless acronyms, chains before you exchange, solicitors, and unfortunately a lot of waiting before you know whether you’ve actually landed your home. But don’t worry! The habito team has put together some trade secrets for first-time home buyers to help make the process faster, easier and much more transparent. 15 essential dos and don’ts when getting a mortgage and … [Read more...]

Anybody who’s researched the costs of getting a college degree will know that it doesn’t come cheap. However, for many students, it is an investment that pays off if it allows them to pursue better careers in their chosen industry in the future. But, if you’re unable to foot the cost of going to college right now, then it’s difficult for you to make that investment in the first place. Luckily, there are several options available to you that could … [Read more...]

Personal financial concerns encompass wide-ranging responsibilities, including debt management.  But while carrying debt can itself be an intimidating prospect, it is a natural part of healthy finances.  In fact, debt only becomes a problem when it overshadows your ability to pay or creates cash flow crises. Effective debt management is essential to achieving long-term prosperity, keeping your options open and protecting your access to … [Read more...]

It has been suggested that the level of self-employment in the UK increased from 3.8 million in 2008 to 4.6 million in 2015.  This is a huge rise which looks set to continue.  There is certainly a growing presence of women working from home and starting their own small business. This largely appeals to mums because it can give them the flexibility to work around childcare and set their own hours.  There are a number of cottage industries … [Read more...]

Saving money on utility bills is often high on everyone's agenda.  Yet it is often the simplest ways that are missed. There are many consumers that still never switch providers and they are certainly missing a trick.  Some don't switch thinking it is not worth it. Considering it is more of a hassle but actually the process is now much simpler.  Forget salesmen knocking at your door with a clipboard asking you to fill in copious amounts of … [Read more...]