Airfares, car rentals and hotel prices decreased by 1% to the year ending April 2024, prices remain 15% higher than 2019 levels. The price of fuel, the shortage of aircrafts as well as the overall inflation and the pandemic plunging many airlines into debt they are still recovering from.   The cheapest way to book When booking your holidays it’s best if you can be as flexible as possible to give you the cheapest options. Find the cheap flights first and then book the time off work and book your accommodation quickly so you don’t lose it.   Use incognito mode when you are looking f ..read more

Trading can be an exciting, yet daunting venture due to the significant risk it entails. But have you ever wondered how you can mitigate some of that risk? Free-funded accounts may just be the answer. These accounts could potentially unlock doors to trading more extensive markets with substantially fewer monetary risks. What are Free Funded Accounts? A free-funded account is a means for individual traders to participate in financial markets without risking their own capital. These are essentially accounts provided by proprietary trading firms (also known as prop firms) that offer the ..read more

In most countries, competition law is geared toward combatting trusts, meaning ensuring competition by fighting monopolies, not fake news, although they could be used to manipulate prices or the reputation of the competition. This suggests, that there could be gaps in the legal protection of companies and market participants.  Given the recurring interest among academics, experts, and journalists in the issues of misinformation, disinformation, and fake news within the finance industry, we endeavoured to uncover the root causes. We sought to understand the barrier ..read more

The research firm, Kanter found that inflation has fallen to 2.4% which is a drop from 3.2% in April. Shoppers are still opting for own-brand labels rather than branded products in the supermarkets. Own-label is out performing brands and makes up 52% of total spending. People are saving their money each week and choosing cheaper options.   Expectations With inflation falling and the hope that this continues the bank of England could cut rates from their current hold at 5.25%. Economists believe the rates could be cut to 4.75% or 4.5% by the end of 2024 and then cut to 3.5% by the end of 2 ..read more

1 in 4 people experience mental health problems however many people go without any support or reaching out for help. The stigma around mental health is still an issue and prevents many from taking action. Personal finances can often be a cause or an outcome of mental health problems. 1.5M people in England experience problem debt and suffer with mental health problems. A study from Money and Mental Health Policy institute found that 46% of people with problem debt also have a mental health problem. Of this, 86% of people said that finances made their mental health worse.   Mental health ..read more

The summer holidays are coming and you might be panicking about what to do, how to entertain the kids for 6 weeks and create lasting memories. Your budget doesn’t have to be blown this summer and you can still make the most of the warm months and long days with the family ..read more

When managing disability or workers' compensation claims, financial advisors might not immediately think of certain costs that significantly impact a client's finances. Beyond the apparent medical expenses and lost wages, there are subtler, often missed expenditures that can blindside clients if not properly planned for. With that in mind, here’s a look at some of those sneaky costs which can crop up, ensuring advisors can better prepare their clients for the full financial scope of their recovery journey. Caregiving Costs The first frequently ..read more

Let’s face it: we are living in an educational bubble. It used to be the case that a college degree was something special, and a college diploma would be a guaranteed ticket for the upper middle class.  However, as more and more people are attending college, this dilutes the value of any individual degree. This can be true for many graduates but not for those working in STEM or Finance. These fields of study still offer a great return on investment despite the inflation and competition.  You can still get a great job, albeit it is harder&n ..read more

With the price of houses rising each year this makes it much harder for first time buyers to get on the property market. There are regional differences in house prices over the UK and clear increases as you travel the south of England. When looking to buy a house you might consider the regional differences in prices.   The South is more expensive MoJo Mortgages has found that the value of property you can buy in the North VS. the South holds a significant difference. The average price for a 2 bed in £260,863. For this price, in a northern city you could find a three bed for this average p ..read more

In the year ending June 2023, ONS statistics estimate that 1.2 million people migrated into the UK. The UK is currently spending more money on their policy with Rwanda where asylum seekers are sent to a third country to settle rather than allowing them status in the UK. Due to the asylum process in the UK thousands are waiting years for their asylum status so they can settle safely and legally. By spending on a new policy rather than improving the current status of many lives, how will this effect thousands who travel for a hope of a safer life.   Annual Asylum Support The cost of the asy ..read more