What is the Worst Bank in the UK?

Following the release of customer complaints figures, this week on the Kiran Trivedi blog I ask; what is the worst bank in the UK? Let Customer Complaints Be Your Guide One vital step to making sure you protect your personal finances, is to ensure that you put your money in the right bank. That is because the bank ultimately has control over your money, which means that if they’re incompetent, they’re more likely to make errors with said money....

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How to Avoid the Latest Mobile Phone Scam

This week, Kiran Trivedi lets you know how to avoid the latest mobile phone scam that has hoodwinked students up and down the country. Students Should Be Careful About How They Try to Generate Cash on the Side It’s no secret that as a student, you’re pretty cash strapped. It’s probably the poorest you’ll ever be in your life. That’s why many students take to trying to make a little money on the side to shore up their personal finances. Yet...

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How to Cut Down Cost of Living Expenses.

On the Kiran Trivedi blog this week, I let you know how to cut down cost of living expenses so that you can protect your personal finances in the long term. Life is More Expensive These Days It seems that life is just more expensive these days doesn’t it, Kiran Trivedi readers? Food prices are higher than they used to be, energy prices are higher than they used to be; even rail fares are due to go up by 3.5% next year. Again. Rail fares are...

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Why Are We Paying Too Much for Our Energy Bills

This week on the Kiran Trivedi blog I ask what the recent news that the energy market is over regulated means for your personal finances. Energy Bills Just Keep on Going Up! I regularly talk about the impact of energy bills on your personal finances. If you are looking to live on a budget, you’ll have zero chance of success if you don’t think about how much you need to pay for electricity, gas etc. every month. But as of late, that hasn’t...

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Five Tips for Saving Money on Your Lunch at Work

You may not think so, but if you buy a fancy lunch every day at work, it really adds up, which is why on the Kiran Trivedi blog this week, I’ve provided five tips that you can use to save money on your lunch at work. The Cost of Lunch Really Does Add Up OK, you probably think I’m being petty now. What will you pay for a sandwich at your favourite supermarket? A few pounds? OK, it’s a few pounds now, but think about it. £2 a day, five days a week....

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Several Ways for Small Businesses to Save Money

Owning a small business can be a serious drain on your personal finances, which is why on the Kiran Trivedi blog, I wanted to share several ways for small businesses to save money. When You’re a Small Business Owner, Every Little Helps You’re really putting yourself out there when you start a small business. You don’t have the security and the safety net that comes with working for someone else. Yes, you reap all the rewards, but all the financial risk falls on you as well. If your company goes bust, you’re the only one who’s going to suffer...

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If you’ve had a Power Cut, You Could be in for a Bigger Pay Out!

It turns out Kiran Trivedi readers, that if you’ve had a power cut, it may not hit your personal finances as much as you might think, as you might get a bigger pay out! Time is Money People! You may not think that a power cut has the ability to weaken your personal finances. After all, its energy you’re not paying for, because you’re not using it. However I would argue that if you go without power for longer enough, it can seriously damage your...

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Why Are Insurance Comparison Sites Failing?

Following a report from the FCA, I ask on the Kiran Trivedi blog this week, why are insurance comparison sites failing, and what could it mean for you? Kiran Trivedi Always Tells You to do Your Research! The best way to protect your personal finances is to budget. To effectively budget, you need to root out the cheapest deals possible; which is why I’m always telling you to do your research! One effective research tool at your disposal to help you lower the cost of insurance, is insurance comparison sites.  In theory, they help you compare and...

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Get Ready for Clearer Insurance Renewal Quotes!

Insurers are to be forced to provide clearer renewal quotes, which as I’m going to explain here on the Kiran Trivedi blog, is great for your personal finances. They Won’t Tell You What You Used to Pay We’ve all been there. A new premium for your home, your car, hell, even your dog, comes through and it’s gone up. You don’t know why. You think it’s gone up, but you’re not sure; the insurer won’t tell you what you’ve previously been charged. It’s...

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We all now have the Right to Request Flexible Working Hours!

The recent government decision to extend flexible working hours to everyone is monumental, and this week on the Kiran Trivedi blog, I’m going to explain wh...

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Is It the Right Time to Sell Your Home?

With the UK housing market riding higher than it has in years, this week on the Kiran Trivedi blog I ask whether it is the right time to sell your home. The Rise and Rise of the UK Housing Market The housing market’s a world away from where it was a few years ago in the wake of the financial crash. The UK’s astounding economic recovery, along with government schemes like ‘Help to Buy,’ have persuaded people to let go of their reservations...

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Kiran Trivedi Explains Why it pays to Start Saving Early

Even with all the money saving tips in the world, there’s no substitute for saving, and this week on the KiranTrivedi blog, I want to explain why you need to start saving early. The Plight of the Young Professional As a 20-something young professional with a good career and a steady stream of disposable income, it often seems as though you’ve got the world at your feet. You’ve got money, you’ve got time and you’ve got an established career path....

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Kiran Trivedi Argues: We Need to Take Our Sick Days

Something that has surprised no one, this week a survey has revealed that less people than ever are taking sick days. This is unacceptable, and this week on the Kiran Trivedi blog, I’going to let you know why. Kiran Trivedi on the Changing of Office Culture Once upon a time, especially in this country, it was common practise to take a sickie and play a little hooky every once in a while. Say you’d hammered the vodka a little too heavily the night...

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Kiran Trivedi Lets You Know How You Can Make Money as an Amazon Author

If you’re stuck for cash, why not break out the laptop, write a book and flog it on Amazon? This week Kiran Trivedi lets you know how you can make a tonne of easy cash as an Amazon author. You Can Always Make Money on the Internet It used to be almost impossible to get published. You had to write a manuscript and send it off to a publisher. It lied in a pile of manuscripts, and if you were lucky, it’d be read, but even then the chances it’d...

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Kiran Trivedi’s Top Five Reasons You Shouldn’t Use a Payday Lender

With all the news on the subject lately, you should already know this, but in case you don’t, Kiran Trivedi takes the time this week to list my top five reasons why should never use a payday lender What is a Payday Lender? For those of you who’ve somehow managed to live in a media blackout for the past few months, a payday lenders is a service that seeks to offer you a loan that you then repay from your next wage. It’s essentially an easy...

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Do You Get Value for Money With Your Degree?

A survey has revealed that many students believe that they do not get ‘value for money’ from their degree and this week, I ask on the Kiran Trivedi blog just how much your degree adds to your bottom line. The traditional argument states that a degree is an investment in your future. Those people who are able to boast a bachelors on their CV are said to prove more attractive to higher end employers, meaning that there is supposedly a direct link...

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The Rising Cost of Ticket Scams and Four Tips to Avoid Them

If you’ve ever been the subject of a ticket scam, you won’t be surprised to learn that this week, we all found out that they’re costing UK consumers a ridiculous amount of cash. How can you avoid fouling foul of the scammers? Kiran Trivedi blog readers, I bet that most of you out there have attended a concert or sports match at some point in your life?  There’s always one artist or team that we tend to get a little crazy over, and seeing them do their thing lends a little colour when our lives are at their most grey. However, this...

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The Art of the Counterfeit: Spotting a Fake

You always have to remember, Kiran Trivedi readers that one of the biggest threats to your personal finances is when you’re tricked into buying a fake product. In order to help protect you from the risk this brings, I thought this week I’d give you a few tips on spotting a fake. Kiran Trivedi knows it’s not rocket science. If you are tricked into buying a fake product, especially a big ticket item like a fake designer piece of clothing, then...

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Kiran Trivedi’s Top Five Ways Scottish Independence Could Impact Your Bank Balance

Whatever side of the debate you’re on, Kiran Trivedi readers, if Scottish Independence is achieved through this year’s referendum, it could impact your bottom line both positively and negatively, and you need to know about it.  That is why this week on the Kiran Trivedi blog, I’ve detailed my top five ways Scottish independence could impact your bank balance. Leaders on both sides of the argument have been banging on about how Scottish independence...

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Should You Use the Contactless Card?

News has reached the KiranTrivedi blog that use of the contactless card has reached record levels and this prompts me to wonder, should we really be using the contactless card, or is it a risk to your personal finances? The contactless card is exactly what you think it is – a revolutionary trick of technology which allows you to pay for goods or services on your card without having to put it into a machine. Instead you hold the card next to a device. It’s like a scanner at a checkout. Exceeds £100 million a Month It’s certainly proving...

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Beware of the Small Print

The devil really is in the details when it comes to financial products, as we’ve yet again seen in the car insurance small print findings released by a consumer group this week. What do you need to know to avoid falling into the small print trap?Small print are the terms and conditions of the agreement that you are signing up for. It’s all the technical stuff, and the reason they put it in small print is because it usually details the less attractive elements of the deal that you are about to sign up to.That is why it’s small print – they literally...

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Is Your Overdraft Good Value for Money?

Whether we like it or not, Kiran Trivedi readers, we all occasionally need to dip into our overdrafts to balance the books. But is your overdraft good value for money? Well according to the Financial Conduct Authority (FCA), it isn’t. The thing about overdrafts is that no one wants to dip into them; it leaves you owing money and unless you have a student or post graduate overdraft, you’re most likely going to have to pay a charge for that service. However sometimes you have to, just to make it through the month. But is your overdraft...

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Why Should You Desert the ‘Big Six?’

If you get your energy from one of the ‘big six’ energy companies, and most people in Britain do, then you’ll know that they charge heaven and earth for their services. Saying that, Kiran Trivedi readers, why should you desert the ‘big six?’ Did you know that the annual household energy bill now runs up £1,264, and that only covers gas and electric? Why do you think that is? Is it because it simply costs that much to bring energy to your house? Whilst energy costs are rising all over Europe, they’ve risen much more steeply over here. The...

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