Money Genius

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!

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

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

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

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

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?

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

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

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

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?

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

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

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

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

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

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

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 tide...

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What is the Financial Services Compensation Scheme (FSCS)?

The Financial Services Compensation Scheme (FSCS) was founded in 2001 and acts as a form of deposit insurance for customers, savers and those banking with banks, building societies and other qualifying firms. Hence, if a firm or firm holding customers’ money becomes...

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Planning For Challenging Financial Times

Unfortunately for many of us, at some point in our lives we find that we are presented with unexpected challenges. This may be financial hardship, health problems, social challenges or otherwise. It may be that one’s own health may decline, a loved one may become ill...

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How Can I Increase the Value of My Property?

Whether you are looking to rent or sell a property you own, home improvements can impact what price your property can achieve when it goes to market. Renovating your property can be done to an extent though DIY or for more extensive and detailed work, via a...

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What is an IVA and How Does it Work?

An Individual Voluntary Agreement, also known as an IVA, is a legal agreement made between you and your creditors to repay your debts, and it is an alternative to declaring bankruptcy. While an IVA is a form of insolvency, it is different in several ways from...

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How to Avoid Payday Loans

Although they are often a very useful and timely financial tool, there are still various reasons why you may want to avoid taking out a payday loan in the first place. Perhaps this is due to the high interest rates they offer, or because you already have a number of...

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How to be productive working from home

  How to be productive working from home In the 21st century, more and more of us have the opportunity to work from home. With many employers allowing flexible working arrangements, it has never been easier and more realistic to work from the comfort of your home....

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Using Unsecured Loans to Start a Business

Starting a business venture is as exciting as it is challenging and from the outset, there are many factors for you to consider. However, perhaps the most important and the leading factor is the funding required to get the business off the ground in the first place....

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Saving Money Cooking In and Eating Out

Many people find themselves living on a budget, be that a high or a lower budget. Eating well and eating cheaply however, are often difficult to reconcile. However, with the right attitude and attention to detail, it can be done, with often, just a few simple changes...

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How Does a Credit Check Work?

If you are applying for a loan, mortgage, or any other form of credit, it is likely that one of the very first steps that will be taken by any you apply with, in order to determine whether to approve or decline your application is  looking at your credit history. This...

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The Complete Guide to Payday Loans Worldwide

Are you looking to understand more about payday loans worldwide and how payday loans work around the world? Did you know that payday loans are offered on a short-term basis across the globe and not just in the UK? Payday loan products are often an easy, convenient and...

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What is a CCJ?

A County Court Judgement, also known as a CCJ is an order issued by the County Court for a debtor to pay back money to creditor. A creditor will apply for a CCJ in an effort to reclaim this money back, having been unable to collect the funds through other means. CCJs...

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What is Debt Management?

Debt management usually applies if you are struggling with paying back loans, mortgages, credit cards and other applications for credit that you have made. You may be tempted to take out further credit in order to pay off your outstanding debts, however this is not...

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What is Financial Underwriting?

Underwriting refers to an important part of the loan application process, but what exactly does it mean and how does it work? Knowing what underwriting is; how it works in principle and its overall importance, can help you improve your financial circumstances and...

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What is a Continuous Payment Authority?

A CPA refers to a Continuous Payment Authority This is a type of regular payment that can be set up using your debit or credit card. A signed and agreed CPA gives a company permission to automatically deduct money from your account on a weekly or monthly basis. For...

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Applying for a Short Term Loan

If you are considering applying for a short-term loan, then MoneyBoat may be able to help you. We are a safe, transparent and flexible direct lender, offering short term loans at an interest rate of 0.7% a day as opposed to the more common 0.8% imposed by other...

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How to Borrow From Family and Friends?

If you are in need of money quickly, you may be looking at borrowing from friends or a family member to help you get through financial difficulty. There are a number of advantages to doing so, such as being more likely to receive a more flexible repayment time scale...

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Job Seekers Allowance Explained

Looking for a job can be frustrating, particularly if your finances are a concern. If you are a UK citizen however, you may be eligible for job seekers allowance. This is an unemployment benefit awarded to people who are actively looking for a job. Here is what you...

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What Role Does Small Change Play in Savings?

In recent years, we have seen the cryptocurrency sector grow exponentially as well as the proliferation of digital banking alternatives like Monzo and Revolut, all increasingly calling into question the relevancy of coins, pound notes as well as bank branches....

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Considerations Before Taking Out a Loan

Payday, or short term loans can be a great financial tool especially if you’re strapped for cash and do not want to become overdrawn with your bank, or use a credit card. However, the internet as we know, is no safe haven. Countless people get drawn into online scams every day and end up in further in the red.

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How to Improve Your Credit Rating

Imagine going to get a loan only to be turned down. This happens to individuals every day, as they don’t know what their credit score is.
Fortunately, there are ways to improve a credit score, but there are also many myths surrounding how to do so.
Consumers need facts, not misinformation. Read on to find out some simple ways to help your credit score rise.

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Saving Money to Avoid Small Loans

People often turn to small loans when they find they are short on cash. Although this is a valuable resource to have in an emergency, individuals don’t have to rely on these loans for everyday expenses.

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How to Enjoy Valentines Day on a Budget

Since the day of chocolates and roses is almost approaching, how much attention should we all really be paying to the pressure to dig deeper into our wallets? Fancy jewelry, lavish bouquets or boxes of expensive chocolates are all sweet and lovely – but can they be pulled off on a budget? Moneyboat investigates!

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