Managing Money

Too many people don't know where to look for advice about managing their money or their finances.  Aside from a range of helplines you can also find help and advice on the internet.

The Government's Direct.gov.uk Website has a range of information designed to address pretty much any financial question you may have.

Planning your personal finances (external link)  - information includes reviewing your personal finances, how to choose a financial adviser, planning to buy a home, how to shop around for financial products and why you should make a will.

Savings and investments (external link) - ways to save your money, information on ISAs , Shares, Unit trusts, National Savings Accounts, Child Trust funds and corporate and government bonds.  As well as advice on investing in property and where to go for advice.

Bank accounts and banking products (external link)  - details of the types of bank accounts available, how to deal with overdrafts and the difference between debit and credit cards.

Insurance (external link) - explains the types of general and life insurance, how to choose the best product for you and why you should shop around.

Keeping your money secure (external link)  - how to keep your finances secure and protect yourself from identity theft and financial scams

Mortgages (external link) - What is a mortgage?  How to choose what's best for you and what types are available.  How do you apply for a mortgage and how do lenders decide just how much you can borrow?

Giving money to charity (external link) - how to use the Tax Aid scheme or donate through payroll giving.

Credit and store cards, credit and loans (external link) - What is the difference?  What are the advantages and disadvantages of buying on credit and what can you do if you've been refused a loan?

Financial problems and complaints (external link) - What are your rights and who can you complain to?

Or you can visit the Financial Services Authority's Money Laid Bare website at http://www.moneylaidbare.info/ (external link)   or take a Financial Health Check at http://www.fsa.gov.uk/consumer/healthcheck/index.htm (external link)