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If you’ve seen changes to your savings or current accounts recently that you feel do not make them right for you, one consumer watchdog says you should do as many others are doing – and switch to another provider. One issue you may be keen to focus on when considering a change in bank accounts are the overdraft charges and rates that apply. According to Which? chief executive Peter Vicary-Smith this can be a deciding factor for many who decide the time is right to change providers.

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One of the facilities you should be looking at when considering different current accounts is exactly what type of overdraft facilities you can expect. Different providers will offer varying amounts and you will want to select an account that has an allowance that is suited to your needs.

However, it is important to remember that an arranged overdraft should be used not as a credit facility, but instead as a buffer for your account when you need a little financial help over the course of the month.

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There’s few better times of the year than January to get your finances in order.

For most of us, it’s month where we batten down the financial hatches and cut our spending after a month of splurges over the festive season.

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If you’re currently in the market for a mortgage, there will no doubt be a million things on your mind. Some of these might be the ways in which you plan to adapt your home to suit your lifestyle… and you are not alone.

Celebrities are just as eager to make sure their mansions are designed to cater to their every personal taste – even if sometimes these improvements might seem a little outlandish!

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Few of us will ever avoid being in any sort of debt throughout our lives, but it’s important to remember that there are such things as ‘good debt’ and ‘bad debt’.

One can seriously damage your credit rating, while the other can be used to improve your chances of getting anything from a credit card to a mortgage – but what do you need to know about each?

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For many people, a holiday is a chance to let go of the purse strings for a week or two after a year of scrimping and saving, so keeping some money tips in mind is a worthwhile thing to do.

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Whether we’ve been frugal or flashing the cash throughout the year, Christmas is the time many of us let go of the purse strings for a few weeks – which means a bit of smart financial advice in advance can be handy.

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