Archive: 2025/12

Car finance companies in Ireland look at your credit score from Experian, Equifax, or Credit Info. A score above 700 gets you the best rates, while below 600 means higher costs. Learn what they check and how to improve your chances.

Your homeowners insurance doubled? It’s not you-it’s the market. Learn the 7 real reasons why rates spiked and exactly what to do next to lower your bill.

An ISA isn't an investment-it's a tax-free wrapper. Learn how to use it right in 2025 to grow your savings without paying tax on interest, dividends, or gains.

If you can't get a loan, you still have options. Sell unused items, ask for help from family or nonprofits, get paid faster for work you've already done, and avoid high-cost loans. Real ways to get cash when banks say no.

US citizens cannot legally invest in ISAs, even if living in the UK. The IRS treats ISAs as taxable accounts, and failing to report them can lead to heavy penalties. Here's what to do instead.

Learn what not to say at a car dealership when financing a vehicle to avoid overpaying, hidden fees, and bad loan terms. Protect your budget with smart negotiation tactics.

Visa and Mastercard are the most widely accepted credit cards worldwide. Learn why these networks dominate global payments, why American Express falls short abroad, and what card you should actually carry when traveling.

High-yield savings accounts don't let you lose your principal, but inflation and low rates can reduce your buying power. Learn how to protect your money and avoid scams.

Taking equity out of your house can help with big expenses-but it risks your home. Learn when it's smart, when it's dangerous, and what alternatives you should consider instead.

You don't need to refinance to access your home equity. Learn how home equity loans, HELOCs, and reverse mortgages let you take cash out of your house in Ireland without changing your mortgage.

Getting approved for debt consolidation depends on your credit score, income, and debt-to-income ratio. Learn what lenders look for and how to improve your chances-even with bad credit.

The three top credit cards in 2025 are the Chase Sapphire Preferred, Capital One Venture, and Bank of America Customized Cash Rewards. Each offers strong rewards for different spending habits-travel, flat-rate cash back, or customizable categories-with no hidden fees and real value.