The librarian's top picks

Energy

A Complete Guide to Switching Energy Supplier

Switching energy suppliers may seem like a hassle, but it’s likely much easier than you think. The CreditKnowledge energy comparison tool finds the best available...

Broadband

Choosing Broadband for Working From Home

With many UK and international businesses going fully remote or hybrid, fast and reliable broadband is essential for homeworkers to stay connected with colleagues and...

Prepaid Cards

Hassle-Free Travel - Pre-Paid Cards, E-Sims, VPNs, and Insurance

Travelling can be stressful with a lack of preparation, but with careful planning, you can avoid any unwanted situations and annoyances that could potentially ruin...

Broadband

Understanding Home Broadband Terms and Jargon

Most people commit to a broadband package without really knowing what they’re getting, often just selecting a standard package offered by their TV provider, which...

Financial Basics

Buy Now, Pay Later Is Changing in the UK: Everything You Need to Know

Buy now, pay later options like Klarna and PayPal are extremely popular in the UK, allowing customers to buy products in instalments without any interest,...

Credit Cards

Can You Use a Credit Card to Build and Repair Credit?

Credit cards can be used to help build a person’s credit, with these specific cards offering a lower spending limit and a higher interest rate....

Energy

Changing Energy Supplier After Moving House

Despite being a very straightforward task, many people put off changing their energy supplier after moving house, instead inheriting the previous owner or tenant’s terms,...

Broadband

The Best Broadband for Gaming and Streaming: Latency, Ping and Upload Speeds Explained

Broadband speed is a common concern for gamers, live streamers, and anyone who regularly watches TV in 4k or Ultra HD, even more so for...

Insurance

UK Car Insurance Statistics and Trends 2026

Car insurance costs can vary depending on your age and where you live in the country, regardless of the car you’re insuring or your driving...

Energy

Winter Fuel Payment Eligibility: Who Qualifies in 2026?

The winter fuel payment is an annual payment that helps certain people in the UK cover their heating costs over the colder months. However, winter...

Mobiles

SIM-Only Mobile Deals: Flexible and Budget-Friendly Options

Long phone contracts aren’t for everyone. That’s why SIM-only mobile deals have become such a popular choice. Instead of tying yourself into a lengthy agreement,...

Prepaid Cards

What Is a Prepaid Travel Card and How Does It Work?

Financial preparation is an essential part of any travel itinerary, but managing spending abroad doesn't need to be complicated. For travellers looking to avoid foreign...

Online Safety

Do I Need a VPN? Safety, Legality, and Benefits

Online privacy matters more than ever, and protecting your internet connection is essential. A VPN encrypts your data and masks your IP address, creating a...

Credit Cards

How Many Credit Cards Can I Have?

Credit cards can be useful tools, but they can also raise questions. If you’ve ever wondered how many credit cards you should have or whether...

Credit Cards

Withdrawing Cash From a Credit Card: Costs, Limits, and What to Expect

Using a credit card to get cash might seem convenient in the moment. But using your credit card to withdraw money isn’t the same as...

Credit Cards

How to Repay a Credit Card Bill

Looking at your credit card statement and figuring out what to do next can feel confusing at first. Between balances, minimum payments and due dates,...

Car Finance

Does Car Finance Affect Your Credit Score?

The long and short of it is yes, applying for car finance will affect your credit score. But unless you submit a full application, the...

Car Finance

Can You Get Car Finance With a Guarantor?

If you’ve struggled to get approved for a car loan on your own, you may have come across the idea of car finance with a...

Insurance

Single Trip Travel Insurance for Mini Breaks

Spring and summer in the UK are always full of promise. There are longer days and lighter jackets… but you can’t really trust that there...

Loans

What Is an Unsecured Loan?

An unsecured loan is a way of borrowing money without using an asset as security. Unlike secured loans, you don’t need to put something like...

Loans

What Does APRC Mean?

APRC stands for Annual Percentage Rate of Charge. It shows the total yearly cost of borrowing money, including the interest rate and some fees that...

Mortgages

Single Person Mortgage: Can You Get a Mortgage On Your Own?

Buying a home on your own might feel overwhelming, but it's more common than you might think. Whether you’re a first-time home buyer or a...

Mortgages

Mortgage Loan-to-Value Guide: What is LTV and How Does it Work?

If you’re thinking about buying a home, you might have come across the term loan-to-value or LTV. At first, it can sound a bit technical,...

Mortgages

What Happens When My Fixed-rate Mortgage Ends?

Reaching the end of a fixed-rate mortgage can feel like a big moment. Your payments may change, your interest rate could increase, and you’ll need...

Loans

Loans Glossary: Loan Terms Explained

A complete guide to key UK loan and lending terms. Understand how loans work, what affects approval, and how borrowing impacts your credit score.Understanding loans...

Financial Basics

What Is Open Banking? Benefits, Risks and How Open Banking Works

Open banking is transforming the way people manage their money in the UK. From budgeting apps to faster loan approvals, open banking allows consumers and...

Financial Basics

Budgeting Basics

A Simple Guide to Money Management - budgeting basics are about simple money management and learning how to control your income, spending, and savings.A budget...

Financial Basics

When Is the End of the UK Financial Year?

The UK fiscal year typically ends on the 5th of April each year, starting again the following day (April 6th). This is known as the...

Credit Score & Report

What is a Credit Report and How Can I Access it?

A credit report is one of those things that most people know exists, but don’t think about until they’re applying for something, like a credit...

Credit Score & Report

Can I Improve My Credit Score?

Your credit score can change over time based on your financial behaviour and the information in your credit report. This page explains the key factors...

Credit Score & Report

Why Has My Credit Score Gone Down?

Seeing your credit score drop can be frustrating, especially when you’re not sure what caused it. One month everything looks fine, and the next you’re...

Credit Score & Report

Credit Report Myths (That Need Retiring)

Credit reports have a bit of a reputation: mysterious, complicated, and slightly intimidating. From “credit blacklists” to whether checking your credit report affects your score,...

Car Finance

What Credit Score Is Needed for Car Finance in the UK?

If you’re thinking about getting a car but can’t or don’t want to pay the full cost upfront, car finance could be an option. Your...

Loans

How Much Does a Loan Affect Your Credit Score?

Taking out a loan can affect your credit score, but it isn’t always a bad thing. In some cases, borrowing money and repaying it on...

Financial Basics

Average Pocket Money by Age in the UK

Pocket money is often one of the first ways children start to learn about money in real life. From choosing how to spend their money...

Credit Score & Report

How to Build Your Credit Score in the UK

Your credit score is based on your credit history and the information in your credit report. It can change over time depending on how you...

Credit Score & Report

How to Check Your Credit Report in the UK

Checking your credit report allows you to understand how lenders assess your borrowing history. It includes details such as your credit accounts, repayment behaviour, and...

Credit Score & Report

Credit Report Glossary

A complete guide to key UK credit terms including credit reports, credit scores, credit files, CRAs, CCJs, CIFAS, and credit checks.See what lenders may see...

Credit Score & Report

How Credit Scores Change And What Affects Your Credit Score

If you're looking to understand how to improve your credit score, it's important to first understand how credit scores may change over time.Many people expect...

Credit Score & Report

How Credit Reports Are Created

A credit report is created when Credit Reference Agencies collect financial data from lenders, credit providers, and public records.This information is matched to your identity...