Review of Premier Inn Stirling City Centre

Written by Karen Bryan

I stayed at the Premier Inn Stirling City Centre on a weekday night in early November 2015. The price was £35, booked a couple of months in advance on the non-refundable Premier Saver rate.

The location of the hotel is very convenient. It’s opposite the Vue cinema and a couple of restaurants. It’s a five-minute walk from the railway station and a wide selection of shops, restaurants, bars and cafes. There’s a free car park.

premier inn stirling city centre exterior

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Earn £7,500 Tax Free By Renting Out Your Spare Room

Written by Karen Bryan

£20 notes close up 320From 6 April 2016, you can earn up to £7,500 tax-free from letting out a room in your home. This is a large increase to the current £4,250 tax-free limit of the ‘Rent a Room’ scheme.

There are two options. You could look for a longer term lodger, or go for short-term lets, arranged through websites like airbnb.

The advantages of a longer term let are that you don’t have to spend so much time on admin, waiting for guests to arrive, and cleaning up after they leave.

The advantages of a shorter term let are that you can charge more per night, if you do have someone with whom you don’t get along with, they won’t be in your home for long, and you may only need to rent your room for part of the year to reach the £7,500 annual limit.

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How to Reach Your Desired Risk/Reward Ratio in Forex Trading?

Written by Karen Bryan

tradingThe market of Forex trading is versatile. There are many ways to gain profit in this business with equal chances of risk. But due to numerous methods of profit gain, you need to think of all possible risks and factors that can affect your Forex trading. Because only by anticipating the upcoming dangers, you’ll be able to form a strategy strong enough to counter them.

This strategy also depends on you knowing your risk threshold. Many startup retail home traders resist investing more due to the fear of loss. This, on one hand, is because of lack of planning, and on the other hand due to lack of information on what risk to reward ratio must be selected.

Here’s a guide to help you decide your risk to reward ratio in Forex Trading.

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Review of Premier Inn Dundee Centre

Written by Karen Bryan

I stayed at the Premier Inn Dundee Centre on a weekday night in early November 2015. The room cost £35 on the non-refundable Premier Saver rate, booked a couple of months in advance.

This Premier Inn is in a great location on the banks of the Tay Estuary with direct access to the waterfront walkway. There’s free parking and it’s opposite the railway station. It only takes a few minutes to walk up to the shopping centre.

premier inn dundee centre exterior

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How to Sell Your House Quickly in 2016

Written by Karen Bryan

house for saleIf 2016 is the year you plan to move on and you know you need to sell your house quickly then take a look at this run through on how best to achieve a quick sale and hop on to the next rung on the property ladder with minimal hassle.

House buyers and sellers don’t want to hang around in this day and age, we want everything instant, online and ready to go – so follow these tips for a quick sale in 2016.

You Need to Prep your Property

And we don’t just mean dust before the potential buyer pops in to view the house, you need to ensure your property is in good order to guarantee a quick sale. This means everything from cleaning the kitchen floor, to fixing cupboard doors to pressure washing the patio if it’s become a bit mossy. If your property looks immediately visually appealing, you will receive a much better response – and a figure closer to the asking price.

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My Money Podcast #128

Written by Karen Bryan

The My Money Podcast #128 summarises the recent Help Me To Save articles listed below.

Subscribe to the My Money Podcast from Help Me To Save in itunes

  • Beware When Changing Direct Debits – You should be aware that when you set up, or change, a direct debit, that you will probably have to make the first payment manually, as the direct debit may not kick in immediately.
  • Nationwide Flexclusive Regular Saver Pays 5% – Qualifying Nationwide current account customers can earn a variable rate of 5% on monthly deposits of up to £500 in this 12 month account.
  • Using Cheap Canvases For Art – I’ve been happy with the cheap canvases I’ve bought from B&M Bargains and Home Bargains.
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Using Cheap Canvases for Art

Written by Karen Bryan

I started out creating art for under £10 using A4 printer paper for my initial efforts. I then moved on to larger 39 by 27cm watercolour paper from a pad which cost £3 for 18 sheets.

Once I was feeling more confident, I wanted to move onto using canvases, primarily so that I could hang my pieces straight on the wall without the need to buy frames.

My first purchase of cheap canvases was a set of three (50 by 40cm, 40 by 30cm and 30 by 20cm), costing £4 at the local B&M Bargains store.

I started off painting ‘Berwick upon Tweed Pier in Winter’ on the smallest canvas.

berwick upon tweed pier in winter by karen bryan

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How to Improve Your Credit Score

Written by Karen Bryan

It’s useful to start by understanding what is meant by your credit score? It’s a way for potential lenders to assess if they will give you credit, how much they will lend you, and at what interest rate. Your credit score is often expressed as a number. The higher the number, the better your credit score, and the more likely you are to get credit at a competitive rate of interest.

Different Money’s infographic offers some tips on how to get a better credit score.

credit score 500width

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Saving for the Dream Retirement Holiday

Written by Karen Bryan

Spending our golden years on a sun kissed beach, hopping across Europe or enjoying luxury cruises is a dream for many. That dream can easily become a reality with a little financial planning and some simple lifestyle changes.

Follow this guide and you could be jet setting around the world, long into your retirement years.

sipping a glass of wine

Plan Early

Travel doesn’t come cheap. Take the cost of a family holiday, for instance, which is now as much as £400 more expensive thanks to a hike in taxes and airline duties. So, if you want to travel extensively, it’s important to make big lifestyle decisions early on. Retiring later in life provides more income with greater possibilities for travel. Alternatively, you could keep a part-time job after retirement to pay for living expenses whilst you’re saving. Paying into a personal pension can also be beneficial. Consulting a financial services institution could help you receive a better return on your money, with a substantial income each year to fund your expenses whilst at home and on the road.

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Nationwide Flexclusive Regular Saver Pays 5%

Written by Karen Bryan

nationwide flexclusive regular saverThe Nationwide Flexclusive Regular Saver pays a 5% (variable) rate of interest. You need to be a Nationwide current account customer to open this account, either depositing at least £750 a month into a standard Nationwide Flex Account, or be a holder of a Nationwide Flex Plus Accountt or Flex Direct Account.

The maximum monthly deposit into the Nationwide Flexclusive Regular Saver is £500. The account runs for 12 months. There’s unlimited instant access to the account.

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