Financial ratios provide a quick and relatively simple means of examining the financial condition of business. A ratio simply expresses the relation of one figure appearing in the financial statements to some other figure appearing there for instance net profit per emplyee, sales per square metre of counter space. Ratios can be very helpful when [...]
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Our personal loans could be in your account just three hours after you complete your application
Loans of £5,000 to £25,000 available online to Barclays current account customers
If you have your own property, why not see if our homeowner loan could offer you the funds you need? Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
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Credit Cards should only be used as rolling credit to help you till the month end, where the full balance should be paid once you receive your salary. Credit Cards can be used for your daily usage.
Credit Cards should not be used for
Purchases like these should ideally be made via your Savings from your Debit Card or With CASH ONLY
Personal Loans should ONLY be taken to help you invest in items that will not depreciate in value. For example
Expensive vehicles should only be purchased with loans if the vehicle is very necessary in terms of added value to your business or abosolutely required for your job. Otherwise buy an old banger for the school run and sign up for the AA Home Repair and Towing Service. If the family needs to take a long journey for a holiday, you can always rent a reliable car.
Personal Loans should NOT be used for investment in a business unless you are absolutely 100% sure the business will make a return, if it is a risky business, or a slight hint of risk, you should only use surpluss cash you have saved to invest.
LOANS & CREDIT CARDS are useful financial instruments, but they need to be used wisely, if you are not sure, ask your grandparents.......
The standard interest rate on UK credit card ranges anything between 8 per cent and 25 per cent. Nevertheless there are few credit cards available at a much higher rate. The cheapest credit cards are usually offered by companies which decide the charges based on your credit standing. They judge your credit standing looking at your financial history.
UK credit cards are one of the most useful and practical financela instruments if you’re disciplined and can handle them sensibly. However, they are the most expensive form of legal borrowing.
