Credit cards are great for being able to pay off expensive purchases over a period of time. Normal credit cards will charge you interest on any balances that are carried over. 0% interest credit cards however allow you to spread the costs of your purchases without paying a penny of interest for a fixed term.


Here are some of the best 0% interest credit cards for you to check out:



To apply for the TSB Platinum Purchase Card, click here.



To apply for the Virgin Money 18 Month All Round Credit Card, click here.


To apply for the Barclays Platinum Purchase & Balance Transfer Visa Credit Card, click here.


To apply for the MBNA 0% Transfers and Purchases Card, click here.


There are plenty more 0% interest credit cards, these are just four of the cards with the longest interest-free terms. Please note, the terms mentioned are all subject to eligibility so you may receive a term shorter than the one stated.


(Last updated: May 2020)

Updated: May 4



Saving money is a skill that many of us have to learn at some point in our lives. Whether it's saving for a long-term goal such as a house or something more short-term like a pair of trainers or a holiday, saving will get you there!


These apps will help you to save money alongside your current methods of saving.


1. PLUM



This is an amazing app that I happened to stumble across in mid-2019 and is perfect for anyone who is a lazy saver or just wants an extra top-up pot of cash. You download the Plum app and then connect it to your bank account. Plum will then use its smart AI technology to assess your spending and income levels. It will then put aside money into a savings pot within the app for you. If there are times where you have less income than usual it will put in an amount that it deems you can afford eg £1.05 or you can choose to pause deposits until you are ready again.


You can switch on a feature called 'round-ups' which will put aside the extra pennies from your transactions. If you purchase a coffee for £2.59, Plum will put the extra 41p into savings for you.


Plum is also a great app if you want to get introduced to investing. You are able to do portfolio investments through a stocks and shares ISA. What that means is you invest money into a chosen 'portfolio' and Plum will purchase fractional shares on your behalf. The portfolios contain pre-selected companies divided into different categories such as technology, environmental etc. You have no control over how many shares are being bought from each company in the portfolios as it is done for you. It is seen to be less risky as you are putting your money into a variety of different companies thus spreading the risk.


Sign up below:

https://bit.ly/2ZG3QCM


2. CHIP


If you have goals that you are saving for whether it be trainers, clothes or a holiday, this app is the best assistant. Once you have downloaded the app, you connect it to your bank account. The app will go ahead and work out how much you can afford to save and auto-save it for you. You can create different saving spaces for different goals - name and customise them however you choose.


The app allows you to track how much you've spent and see the projected date as to when you'll reach your savings goal. If you need to access your money, you're able to withdraw instantly from the app.


Download for iPhone here or Android here.


3. TANDEM



With the function of autosaves, Tandem helps you to save money without even noticing it leaving your account. Download the app and connect your bank account to start saving. There are different ways to save with the app:


• Round ups: Round up your card transactions to the nearest pound and save the difference

• Safe to save: We'll analyse & predict what you can afford to save and move it to your Tandem Account

• Regular deposit: Make a weekly or monthly deposit into your savings with the tap of a button


The money will be stored in a savings account within the app where your money will ear 0.5% AER (subject to change).


Download the app for iPhone here or Android here.


Give these apps a go if you're looking to either start saving or get a boost this year on your cash. Let us know which is your favourite!



*Some links may be affiliate links.

Updated: May 4



Credit Score - This is a rating that is used by creditors such as banks/financial lenders to determine whether or not you qualify for loans, credit etc and how much.


This score determines how reliable of a borrower you are and how likely you are of repaying any money borrowed. Each credit reference agency has its own criteria which therefore means they'll have their own 'score'. There is no way to know how each agency scores and what's of importance to each. It can get confusing if you are trying to monitor your credit score across multiple different platforms so choose one best suited to you and stick to that one.


Three Credit Reference Agencies to Check Your Score:

Experian, TransUnion, Equifax


If you're looking to improve your credit score, here are some of the top ways:


1. PAY YOUR BILLS ON TIME

Sounds silly but consistent late payment on your bills can really harm your credit score. If your phone bill £20 higher this month than it was last, fight the urge to not pay and just pay it. Any missed payments on direct debits can have a negative effect on your credit score. Your best way is to pay it now and then dispute it late with your network provider.


2. GET A CREDIT CARD

Using a credit card for purchases and making regular repayments can really benefit your score. A smart way to use credit cards is to use them for big purchases that you ALREADY have the money for and repay when your next statement comes. Credit cards offer an extra layer of buyer protection, read more about it here.

3. CRUNCH THOSE DEBTS

We’ve all made mistakes and overspent where we shouldn’t have but make an active effort to crunch those debts. Even on part time wages, work out how much you can put aside every month to tackle your debts and make regular payments to them.


4. PAY OFF TWICE

If you’ve worked out that you’re setting aside £100 a month to pay your debts, pay £50 at the beginning and the remainder 14 days later. Even though you’re paying the same amount, the splitting up of these payments give the illusion that you’re more reliable at making repayments and reflect positively on your credit score.


5. LOQBOX


For those of you who may want to build your credit but prefer not to get a credit card, you can use the credit builder LOQBOX. You choose to make monthly payments between £20 - £300 per month over 12 months. This is reflected as a 'loan' on your credit file. You make payments each month via direct debit which is reflected on your credit file. At the end of the 12 months, you should see an increase in your credit score plus you'll get all of the money you saved over the year back.


Sign up here: https://bit.ly/3fe73kA



These are some of the best ways to increase your credit score. Any changes you make today will take between 3-6 months to make visible change to your score.



*Some links may be affiliate links.

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