rebuild your credit with T-Mobile

  If you are looking to rebuild your credit then T-Mobile could help. T-Mobile are currently offering a T-Mobile Solo light option which offers you a Sim only option and has limitations, however, it can be used to help strengthen your credit file as it reports back to the credit reference agencies. The sim option costs £15 per month and you get an allowance of text messages and minutes, however you cannot dial international numbers and other limitations can apply. T-Mobile also offer Flex, according to some message forums, people with less than perfect credit histories have been accepted by T-Mobile, with Flex you can get a mobile contract with a brand new mobile phone. T-Mobile do not guarantee that everyone will qualify, but in our experience T-Mobile offer contracts to people who may not be accepted elsewhere and therefore if you are looking to rebuild you credit, it may be a viable option and from just £15 per month, it could be an affordable option. Click here to find out more and visit T-Mobile

A few tips to help you -

- Be Honest, don’t lie on your application, T-Mobile like other companies will take a dim view on people who don’t complete the application in good faith.

- If you are offered the Solo light option, make sure you make your payments on time, after 6 months, you could well qualift for an upgrade to a full mobile phone contract

- If you go for the Flex T option and choose a mobile phone, make sure you make payments on time, if you receive a call offering you a Solo Light option, this could be a chance for you to rebuild your credit and can help improve your credit score.

genuine freebies

During the Credit Crunch it’s essential that you save as much money as you can. As well as sorting out your finances you can save £s by claiming freebies. Landoffreebies is an online freebie portal which offers Genuine freebies, discount codes and money saving tips. Click here to visit landoffreebies.co.uk

 

Also a favourite

MoneySavingExpert.com offers excellent financial tips and money saving tips

Also a favourite

Redhotfreebies is another excellent website offering a range of free stuff and more.

Remember, claiming freebies can help you try new products before you buy, using discount codes can save you up to 80%. All of this adds up to more money in your pocket!

pay day loans from Wonga

It isn’t easy when you are trying to budget, with everything going up in the shops, what do you do if you have an unexpected bill? A payday loan can bridge the gap and offers an excellent alternative to borrowing of your friends or the hassle of making an appointment with your bank manager!

A pay day loan is quick, secure and you could have the money the very same day!

Wonga offer payday loans via a very quick application process, simply complete basic details about you and your employment, confirm your mobile and email address and you could qualify to borrow money until your next pay day!

It’s that fast. If you are looking for a friendly pay day loan company then look no further than Wonga.

The cheapest online dual fuel

Searching for the Cheapest Energy supplier is important before Winter sets in. Whether you want gas, electricity or dual fuel we have the most competitive tariffs on the market. All you have to do is sign up to Click Energy 5 and manage your accounts online.

Click here to find out more

Guaranteed Gold Card

Want the exclusivity of a gold card?

Can’t get credit? Then this is the card for you. The new cashplus prepaid gold MasterCard® is a pay as you go card with 100% acceptance guaranteed*, with no credit check or bank account required. The cashplus prepaid gold MasterCard is the easy way to manage your money. You can use it to pay for whatever you want, like groceries, petrol, booking holidays and shopping online.

You can load it with your money at over 600 cashplus retail outlets and any Post Office® branch for free, and it is accepted worldwide wherever you see the MasterCard acceptance mark. Getting a payment card has never been easier, with no credit check and no need for a bank account; this is the everyday prepaid card that lets you stay in control. See website for card issuer and full terms and conditions.

Rebuild your credit
With cashplus prepaid Mastercard you can even rebuild your credit. Once your card is activated, read the Cashplus website for full details on how you can use the card and have the card report back to the credit reference agencies to help improve and rebuild you credit score!

Life Insurance from just £10 per month

Click here to visit Norwich Union Life

 

Protect your loved ones with Norwich Union

It doesn’t cost much to look after your familys future. At Norwich Union, you can get life insurance from as little as £10 a month. And thats a small price to pay for peace of mind.

 

Click here to visit Norwich Union Life

addicted to credit?

Credit was designed as a matter of convenience so you could make large purchases without running the risk of being whacked on the head and robbed because you were carrying a large wad of cash. Credit wasn’t intended as a way to extend your earning power. Yet so many options are open to us these days on credit. Let’s take for example, Mobile Phones, Credit Cards, Personal loans and Catalogues.

So how do you know if you are addicted to credit? Well, do you find yourself applying for credit you really don’t need? If you already have available credit and spot a new credit card which isn’t offering you a great deal, would you still apply? It’s always great to have an extra avenue of credit available, however, it’s easy to start relying on credit.

So what’s the purpose of all this?
Well, to see if you are using your available credit wisely why not take your credit cards out of your wallet and put them somewhere safe such as in a home safe etc. See if you can last without the temptaion of using them or applying for credit on “buy now pay later” for example.

If you are using an overdraft or taking cash advances often then thing’s aren’t looking too great, but you can still get yourself back into shape.

We all start of with good intentions of paying off our bills in full each month, however, the more credit we take, the more we have to spread these payments. Eventually, one small credit card repayment becomes several on top of any other agreements you may have.

Credit is not a bad thing, if you used wisely. If you can afford to pay for something with cash is it really better to leave it in your savings account and use the credit card?

Sure, you get a lot of extra protection and warranty when you pay by card but once you start making just the minimum repayments then you can easily end up in the credit addiction.

You probably don’t need us to tell you that Credit can lead to family break ups and a lot worse, however, using credit sensibly can help us buy today and pay later.

Just remember, circumstances can change, always try and live within your means, if your outgoings are exceeding your income, it’s not wise to take on extra credit, instead get some advice with your local citizen advice service. There are a lot of options available to you, Credit is not always the answer!