iBudget Blog
Expert tips, guides, and strategies to help you and your family master your money
Types of Credit Cards UK: Every Card Type, What It Costs, and How to Pick One
UK credit cards explained: 0% purchase, balance transfer, money transfer, rewards, travel and credit-builder cards, what each costs and how to choose.
The Maximum Credit Score: 850 in the US, Three Different Numbers in the UK
The maximum FICO score is 850. The UK has no single maximum — Experian runs to 1250, Equifax to 1000, TransUnion to 710. What moves each, and what does not.
How to Improve a Bad Credit Rating in the UK
A default stays on a UK credit file for six years from the date of default. Here is what you can actually fix before then, in priority order, with timescales.
Debt Solutions in the UK: DMP, DRO, IVA and Bankruptcy Compared
Which UK debt solution fits: DMP, DRO, IVA, bankruptcy or Scotland's DAS. What each costs, how long it marks your credit file, and where free advice comes from.
Frugal Living Tips for Families, Ranked by How Much They Save
Frugal living tips for families ranked by the size of the line they touch, with real spending data from the BLS, ONS and Coram, and the arithmetic shown.
How to Create a Household Budget: A Step-by-Step Guide
A six-step method for building a household budget, with a full worked example, benchmark figures for five countries, and a plan for when outgoings beat income.
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