Money Blog

Master your money options by fuelling up on your financial knowledge. Hit our knowledge base today for the latest on the best budgeting tips, planning for emergencies or enjoying time with loved ones – without breaking the bank!
What is responsible lending?

What is responsible lending?

Responsible lending is all about ensuring a borrower is able to repay a loan before offering credit. Responsible lenders also need to be clear and upfront about the cost of borrowing, and extra charges and fees payable. They will usually offer support and great...

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Why have payday loans become so popular?

Why have payday loans become so popular?

Despite having suffered some bad press in the past, payday loans are still a popular option for people who need access to quick cash. Research suggests that they are particularly popular with younger borrowers. There are many reasons why people take out short-term...

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How to celebrate Father’s Day 2020 on a budget

How to celebrate Father’s Day 2020 on a budget

In the past, a typical father’s day may have included a family day out, a get together with relatives, or a trip to the local pub or restaurant. With the UK sustaining varying coronavirus lockdown restrictions, father’s Day 2020 will be far from typical. Nevertheless,...

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Why is APR a bad measurement for payday loans?

Why is APR a bad measurement for payday loans?

Imagine you're back at school or college and you're looking for a job for a few weeks over the summer holidays to pay for a holiday. You need to earn £500 but all the jobs advertised are only showing their annual salary, which makes it hard to compare which job is...

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Can applying for online loans damage my credit score?

Can applying for online loans damage my credit score?

We are so lucky, as consumers, to have such an in-depth choice when it comes to taking out an online loan. Most borrowers will spend time shopping around until they feel they've found a lender that offers the kind of loans they are looking for.  However, it’s...

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5 Easy Ways To Turn Family Quarantine Into a Success

5 Easy Ways To Turn Family Quarantine Into a Success

With quarantine as our new norm, we wanted to know how parents in the UK are keeping their kids occupied, happy and healthy during the Coronavirus pandemic. We’ve asked Mums and Dads around the UK to share some of their top tips to getting through home isolation and...

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Top tips on how to ask your boss for an advance

What is an advance on your wages? A wage advance is usually the payment of the money you have already earned, in advance of your payday. Employee loans are another way to get your hands on some money in advance of your paycheck, but these involve your employer lending...

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Broker Payday Loans vs. Direct Payday Loans

People are often confused when it comes to understanding the difference between broker payday loans and direct payday loans. Some say direct loans are often better, but is this always the case? If you're deciding if you should get a loan, read on to learn more. What...

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How to Prepare for a Loan Application

How to prepare for a loan applicationWhether you need access to quick cash to cover an unexpected expense, or are borrowing many thousands to help pay for a house extension, applying for a loan is a surprisingly similar process. Providing you have opted to borrow...

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17 Work From Home Tips You Can do Right Now

The current COVID-19 pandemic has caused more and more of us to work from home. On a regular week, flexible working arrangements is often simple and straightforward to put in place. However with kids, pets, household chores and social distancing in full force, working...

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Handling financial emergencies – Our expert advice

Handling financial emergencies – Our expert advice

How to handle a financial emergency like a pro 5 tried and tested options to consider... There are nearly ten million people living in the UK with no savings at all. Having spare money to put away at the end (or beginning) of the month feels like a rare luxury. More...

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Low cost tips for a healthy lifestyle

Low cost tips for a healthy lifestyle

With a rising number of UK citizens at home in isolation, staying physically and mentally healthy is a big priority. The choice to opt for a pricey gym membership, may still be an option for some but the majority of us are looking to pull back on the cash while not...

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COVID-19: Information for our valued Customers

COVID-19 Update These are difficult times for us all. We are living through a period of major uncertainty in terms of our health, freedom of movement and, of course, our finances. We’re here to offer our support to all of our valued customers through these challenges...

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Make your money last until Payday

Make Your Money Last until PaydayWe've all been there. At the beginning of the month, you're feeling pretty positive about your finances. You've paid your bills and you're confident that you have enough cash to see you through the coming few weeks. But before you know...

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The FCA and Payday Loans

The FCA and Payday Loans

The FCA & Payday Loans Looking for payday loans? UK lenders have some tough new rules to follow Gone are the days when UK payday lenders could apply endless interest charges and penalties to borrowers when they failed to repay on time. The Financial Conduct...

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53 ways to save money on food shopping

There are a few essential costs in life and food is one of them. Most of us enjoy buying groceries and cooking for the family, but often wonder how to save money on food shopping. We’re here to show you that there are plenty of great tricks, tips and secrets that can...

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How to get out of debt

There’s very little worse than the feeling of debts hanging over your head. Here at Moneyboat, we appreciate how crippling debt can be and how worried consumers become when they can’t pay their debts.  If your debt has been sent to a debt collection agency, your fear...

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Can I go to jail for not paying a payday loan?

There’s very little worse than the feeling of debts hanging over your head. Here at Moneyboat, we appreciate how crippling debt can be and how worried consumers become when they can’t pay their debts.    If your debt has been sent to a debt collection agency,...

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What to do if you are struggling to repay your payday loan

Have you ever tried to help someone, only to make matters worse? Perhaps you offered advice to a friend who misunderstood and took action that resulted in their problems worsening.  We’ve all been there. Imagine you’ve offered to help someone who had injured...

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Fast Fashion: by the Numbers

9.5/10 Our customers rate us as Excellent Related Articles Stay Up to Date With The Latest News & Trending Articles Apply Today! Interested in getting a loan of £200 - £800? Apply today for a short term loan option from a UK direct lender Join Our Newsletter Get...

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The Ten Best Free Budgeting Apps to Download in 2019

Do you overspend each month? Do you find yourself living in your overdraft or failing to reach your savings goals? If the answer’s yes, you need a budgeting app in your life! We’d all like to take better control of our finances and, luckily, there are now some...

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How to Avoid Payday Loan Scams

Everyone experiences being short of cash at some point and if you’re in need of funds to meet an unexpected expense, you may be considering taking out a loan. But not only is it important to fully understand the emotional and financial implications of taking out a...

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Simple Ways to Save Money Today!

Often the hardest thing about saving money is taking the first steps, whether it’s sticking to a budget, keeping track of expenses or committing to putting money aside each month. But did you know that you could be saving money by switching utility tariffs, opting for...

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Moving House: Money Saving Checklist

Moving house can be a stressful and overwhelming process, particularly if you need to move on a budget. Following the recent ban on letting fees, you might find yourself wondering how else you could save money when moving house. Although estate agent fees and stamp...

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21 Ways to Save Money at Festivals

Attending a music festival can be a fantastic experience, but it can also become a bottomless pit of spending. Tickets, vendor meals, beer, tour merch, camping gear and travel costs all mount up over a weekend. According to the 2017 UK Festival Market Report, 22.4% of...

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How to Get a Payday Loan with no Bank Account

Everyone experiences a financial shortfall at some point, whether it’s due to an unexpected expense or an essential appliance breakdown. There are multiple options when it comes to borrowing money to help you get back on your feet, such as credit card loans, payday...

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What is Disposable Income?

Did you know that most of us are using a completely incorrect definition of disposable income? We’re here to set the record straight. Many of us find that our household finances are increasingly stretched. Our disposable income seems to next-to-nothing and tight...

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Should I Get a Loan? Ask These 5 Questions First

Should I Get a Loan? Ask These 5 Questions First

Taking out a loan is a significant financial commitment and should not be taken lightly. Loans are not a solution if you are struggling to pay essential costs like household bills, rent or mortgage payments, but they may be a helpful option for those looking for a...

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Text Loans

Text Loans

What are text loans? Text loans are short-term, high-interest loans that are similar to payday loans. The difference is that borrowers can take out text loans through their mobile phones simply by texting the lender. Although we do not offer text loans at Moneyboat,...

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Why You Should Start Saving for Retirement NOW

Why You Should Start Saving for Retirement NOW

Preparing for retirement is huge challenge. Deciding when to retire, whether to downsize and how to fill your time are all important considerations. But retirement also has the potential to be one of the most fulfilling times in life.

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How to Borrow Money And Make It Work In Your Favour

How to Borrow Money And Make It Work In Your Favour

Virtually everyone faces the need to borrow money at some point. Think about it, when you purchase a home or vehicle, you’re doing so through a loan. Even financing a new washing machine and dryer generally requires some type of loan. Whether it’s through a credit...

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Safe and Responsible Lending in the UK?

Safe and Responsible Lending in the UK?

Are you looking for a payday loan from a responsible lender? Or perhaps you have heard of payday loans and you’re wondering what it’s all about? Let’s take a step-by-step look at safe and responsible payday loans and see how Moneyboat UK could help. Moneyboat...

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How to build a budget

How to build a budget

There are many different money saving hacks on the web. These tricks are fun, but learning how to build a budget is one of the best ways to spend time and save money. Budgeting is effective because it causes you to assess how much money you are earning and how you are...

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How to Get the Most from Your Direct Lenders

How to Get the Most from Your Direct Lenders

The need for a little extra money has a way of hitting us hard when we least expect it and traditionally, payday doesn’t adjust itself to meet our unanticipated needs! When choosing between a direct lender or a broker – what should you watch out for?

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UK Loans and Borrowing

UK Loans and Borrowing

Everyone is feeling the financial crunch these days. In June of 2016, the UK voted to withdraw from the European Union. Employees of every industry and sector are now experiencing the effects of that decision. Political turmoil and extremist threats here and abroad...

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What are your options for bad credit loans?

What are your options for bad credit loans?

If you have bad credit, finding financial services can be a challenge. Conventional lenders such as banks and credit unions often require you to have good credit to borrow money, so what are your options for bad credit loans? Conventional lenders rarely offer quick...

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Super Savings! How to Stretch £1,000

Super Savings! How to Stretch £1,000

Maybe you have been struggling to get out of debt for a while. Perhaps you have been living month to month, dreaming of the moment when you have some spare cash. Now the moment has arrived: you have finally saved £1,000! Now is the perfect time to translate your cash...

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Top 5 Money Mistakes

Top 5 Money Mistakes

Nobody is perfect with money! And for a long time, I was far from perfect at handling my finances. But in the past couple of years, I have made strides to reduce my spending and increase my savings! Read on to hear the top 5 mistakes I made on my the journey to get my...

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Payment Options in the UK

Payment Options in the UK

Paperless money transfers have become more and more prevalent over the past couple of decades. Replacing cash and cheque payments, cashless money transfers offer increased convenience and further ease for many employers and service providers. However, are paperless...

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Saving on your Monthly Expenses

Saving on your Monthly Expenses

There are always small and effective ways in which to scrimp and save in your budget. Taking note of your expenses alone, will help you get your finances well on track, with everything clearly visible to you each month with regards to what you have and haven’t spent....

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Payday Loans Industry Regulations Explained

Payday Loans Industry Regulations Explained

The British payday loans industry has grown immensely in the past decade, particularly between the years of 2006 and 2012. With the emergence of the short term lending industry, it is critical for industry consumers to understand their rights and entitlements as well...

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Debt Consolidation Explained

Debt Consolidation Explained

If you are facing financial difficulties and going through challenging financial times, it is  of the utmost importance that it be addressed immediately. It may be the case that you need to consider taking out a short-term loan or perhaps a loan for bad credit to...

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Blog Disclaimer

We do all we can to bring you interesting, practical and valuable information. However, please understand the following:

MoneyBoat.co.uk does not provide medical advice It is intended for informational purposes only. It is not a substitute for professional medical advice, diagnosis or treatment. Never ignore professional medical advice in seeking treatment because of something you have read on the site. If you think you may have a medical emergency, seek medical advice immediately or dial 999.

Information and data on this blog are for information purposes only. While we work hard to ensure it is accurate, we cannot accept responsibility for the accuracy, completeness, suitability or validity of any information provided on the blog. We will not be liable for any errors, omissions, losses, injuries or damages arising from its display or use. All information is provided with no warranties and confers no rights.

If you feel that any of the information published on our blog is not accurate, please notify us via email at thecrew@moneyboat.co.uk.