Personal finance

Cut your fuel bills

GAS and electricity bills went up by a massive 62 per cent between 2003 and 2007 - that's 15 per cent a year, on average.

And worse is on its way, with prices heading steeply up again by the end of the year.


 


Select Type:
Card Rate Duration BT Fee Typical APR
Virgin Credit Card 0% 16 mths 2.98% 16.6%
Capital One BT Platinum Card 0% Until 01/02/2010 3.0% 15.9%
Egg Card 0% Until 01/01/2010 3.0% 16.9%
Tesco Bonus Credit Card 0% 14 mths 2.9% 15.9%
Capital One BT Exclusive 0% Until 01/11/2009 3.0% 15.9%
Card Rate Duration Typical APR
Capital One BT Exclusive 0% Until 01/11/2009 15.9%
Capital One Platinum Exclusive 0% Until 01/09/2009 12.9%
Halifax One Online Special 0% 10 mths 15.9%
Bank of Scotland 0% 10 mths 15.9%
Capital One Low Rate Balance Transfer 0% Until 01/04/2009 15.9%
Card Name BT Duration Intro Duration Typical APR
Capital One BT Exclusive Until 01/11/2009 Until 01/11/2009 15.9%
Virgin Credit Card 16 mths 6 mths 16.6%
Capital One Platinum Exclusive Until 01/09/2009 Until 01/09/2009 12.9%
Tesco Bonus Credit Card 14 mths 6 mths 15.9%
Halifax One Online Special 10 mths 10 mths 15.9%
Card Cashback
American Express Platinum Cashback 5% cashback for 3 months
Card Rate Duration Typical APR
Capital One Low Rate Platinum 6.5% Fixed until 01/01/2011 15.9%
Capital One Fixed Rate Card 8.5% Fixed until 01/08/2012 8.5%
Card Typical APR Interest Free Days BT Fee
Capital One Fixed Rate Card 8.5% 56 0.0%
Capital One Platinum Exclusive 12.9% 56 3.0%
Card Typical APR Interest Free Period
Capital One Classic 34.9% 56
The Vanquis Visa Card 39.9% 56
Card Loyalty Rewards
Thomas Cook Credit Card Earn Travel Pounds everywhere you shop
Fees may apply
Select Type:
Card Typical APR Minimum Amount Maximun Amount
Platinum Exclusive Loan 7.5% Lowest homeowner loan rate in the UK. For loans £10,000 - £100,000. Typical APR 11.4%
Moneyback Bank 7.8% Earn moneyback with payment protection. Typical APR 7.8%
Barclays 7.9% Existing customers can get an immediate decision. Typical APR 7.9%
Sainsbury's Personal Loan 8.5% Optional 3 month repayment holiday. Typical APR 8.5%
Halifax (Semi-exclusive) 8.6% No repayments for first three months. Typical APR 8.6%
Bank of Scotland (Semi-exclusive) 8.6% Loans available from £7,000 to £13,000
No repayments for three months. Typical APR 8.6%
Alliance & Leicester 8.7% Applying online takes 10 mins and you could have a decision within the hour. Typical APR 8.7%
Card Typical APR Minimum Amount Maximun Amount
Platinum Exclusive Loan 7.5% Lowest homeowner loan rate in the UK. For loans £10,000 - £100,000. Typical APR 11.4%
Nemo Personal Finance Plan AA 8.8% No broker fees, no lender fees. Typical 10.9% APR variable.
Ocean Finance 9.6% Loans for homeowners. Fixed for loan term available. Typical APR 15.9%
Norton Finance 9.9% Homeowner loan for any purpose. Typical APR 15.9%
Central Capital 10.6% All circumstances considered. Typical APR 14.9%
Card Typical APR Minimum Amount Maximun Amount
Norton Finance 12.1% Homeowner loan for any purpose. Typical APR 15.9%
Ocean Finance 12.8% Loans for homeowners. Fixed for loan term available. Typical APR 15.9%
Welcome 19.9% Drive away a great deal today. Typical APR 19.9%.
FLM Loans 42.6% £500-£3,000. Will accept anyone with friend or family homeowner guarantor. Typical APR 42.6%
Everyday Loans Limited 59.6% A straightforward way to borrow money locally - as and when you need it. Typical APR 59.6%
Fees may apply
Compare Over 400 Loans
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Fees may apply
Select Type:
Provider Account AER* Minimum Investment
SAINSBURYS FINANCE Internet Saver 5.50% No
ING DIRECT Savings Account 6.50% No
TESCO PERSONAL FINANCE Internet Saver 6.50% No
CITIBANK Flexible Saver Issue 4 6.43% No
ABBEY Instant Access Saver (Special Issue 2) 6.30% No
EGG BANKING PLC Egg Savings Account (Internet) 6.30% No
ALLIANCE & LEICESTER eSaver - Issue 2 6.60% Yes
HALIFAX Web Saver Extra 6.00% Yes
ABBEY eSaver Direct 6.50% Yes
BRITANNIA BS DirectSaver Reserve Account 6.25% Yes
Provider Account AER* Minimum Investment
BANK OF CYPRUS UK Bank of Cyprus UK Bond (24th Issue) 6.86% £1
Provider Account AER* Minimum Investment
HSBC BANK PLC Cash e-ISA 6.25% £1
ALLIANCE & LEICESTER Easy ISA 6.00% £1
Provider Account AER* Minimum Investment
COVENTRY BS 50 Plus eSave (5) 6.25% £1
Fees may apply

Food for thought

THERE are many ways we can save money on our weekly shop. Here are our top 10 tips...

Working after retirement

SOME people stay in employment past retirement age because they have to; some because they want to.

 

Best of the banks?

SMALLER banks offer better rates and better service than the big four, according to the latest survey of members' experiences with current accounts.

Home grown fun in the sun

MORE families than ever are staying home for the school holidays to beat the credit crunch.

 

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