As I thought back to the last few days I'd had in Spain, I realised one thing: I didn't want to go back to the UK. I could feel the heat rising up my body and my palms were becoming clammy. What was it that was making my pulse race so much? The thought of returning to work? The weather? The lack of adventure ahead?
With a Bank of England rate rise expected late next year or early in 2016, now is an opportune time to get informed about the finer details of your mortgage. Once you've got your head around it, you will be well-placed to get yourself through the interest rate rise without too much impact, and potentially with more money to put aside for the things you love.
Perhaps one of the most positive outcomes of the recent economic crisis was the message that consumers would benefit from saving more and borrowing more responsibly. So accessible were interest free loans, 105% mortgages and credit accounts that consumers came to believe they could afford anything, irrespective of their financial circumstances.
Coinciding with an unforgettable week of racing at Cheltenham, Britain's gambling industry has had some rather less sunny headlines. Recent figures from the Campaign for Fairer Gambling revealed that, across the 55 most deprived boroughs in the country, more than £1.3bn was gambled on fixed-odds betting terminals last year, £470m of which was lost...
Britain is in the throes of a personal finance crisis. Dramatic figures out recently revealed that personal debt totals £1.43trillion and the average household debt is almost twice as high as a decade ago at £54,000. To some this would come as a surprise, but to many it is confirmation that they are not alone in their struggle.
If you are poor, living at the margins of society and excluded from financial institutions, can you really save? Do you have any 'spare' money? And if you do, can you save enough to make a difference? We often assume the answer is 'No', but I speak from personal experience when I say that the answer to these questions is emphatically 'Yes'.
The current 'see it, buy it' credit card culture has meant that for many people financial goals no longer exist. However, many major financial commitments such as buying a property, saving for retirement or investing in your business can't be paid for by credit card and take real planning and dedication to save for.
You remember Sid, right? Back when what then passed for the commanding heights were being privatised in the late 1980s, ad agency BMP got taxpayers' money to convince taxpayers to buy shares in the taxpayer-owned British Gas. No doubt Vince Cable is already taking pitches today from Soho ad agencies wanting to help him giveaway shares in the taxpayer-owned Royal Bank of Scotland.