Smart With Money

Helping UK households make smarter financial decisions - every day.

Actionable tips, expert-backed guides, and honest insights on saving more, spending less, and growing your money.

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Latest Personal Finance Guides & Money Tips

Discover our newest articles on saving money, budgeting, investing, and making smarter financial decisions in the UK.

Person comparing laptop prices online while holding a tablet

How to Save Money on Tech and Electronics Without Sacrificing Quality

Tech purchases are some of the biggest non-essential expenses for UK households. From smartphones and laptops to kitchen gadgets and...

Budgeting Tips for Couples in the UK: How to Manage Money Together Without Arguments

Talking about money might not be romantic, but it’s one of the most important parts of any successful relationship. Whether you’re moving...

Person requesting a credit card refund online with laptop and bank card

Can You Get a Refund Through Your Credit Card? Your Complete UK Guide

Paying by credit card can offer powerful protections when something goes wrong with a purchase — but knowing exactly how to get a...

Person using a credit card for an online purchase with legal protection icons overlayed

What Is Section 75 Protection on Credit Cards and How Does It Work?

If you buy something with your credit card and it goes wrong — the item doesn't arrive, it's faulty, or the company goes bust — Section...

Landlord reviewing buy-to-let mortgage documents with rental property model and calculator

Buy-to-Let Mortgages Explained: How They Work and What UK Landlords Need to Know

If you're considering buying a property to rent out, you'll likely need a buy-to-let mortgage . These work differently to residential...

Homeowner reviewing remortgage documents with calculator and laptop

How to Remortgage Your Home in the UK: Step-by-Step Guide to Saving Money

Remortgaging can be one of the smartest financial decisions a homeowner makes — whether you're looking to save money, switch to a better...

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How to Check If a Used Car Has Outstanding Finance in the UK

Buying a used car is a great way to save money, but there’s one critical check every UK buyer should do before handing over any cash:...

UK consumer reviewing debt consolidation options on a laptop with calculator and bills

Cheapest Ways to Consolidate Debt in the UK: A Step-by-Step Guide

If you're juggling multiple credit cards, overdrafts or personal loans, debt consolidation could help you simplify your repayments ,...

Consequences of missing a loan payment in the UK

What Happens If You Miss a Loan Payment?

Missing a loan payment can be stressful, and it may have financial consequences. Whether it’s a personal loan, car finance, or a...

Take control of borrowing, reduce what you owe, and make smarter credit decisions.

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At Smart With Money, we believe in providing information that it is simple, honest, and practical. That’s why:

Our articles are written specifically for UK households — no jargon, no fluff

We cover what matters: saving money, borrowing smarter, and investing wisely

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Every article is human-edited and regularly updated for accuracy

We’re not financial advisers, but we’re committed to helping you make smarter money decisions every day