Warning: Late repayment can cause you serious money problems. For help, go to www.moneyadviceservice.org.uk

Dear Customer,
In light of the current COVID-19 we will not be accepting any new loan applications. The well-being of our customers is of absolute priority and therefore we ask you to contact us via chat, email or phone if you have an existing account and require any help.

Many customers will be faced with income interruptions as a result of this crisis and so therefore we are recommending that you refer here for useful advice: https://www.moneyadviceservice.org.uk/en/articles/coronavirus-what-it-means-for-you

freedom of choice

There’s so much choice nowadays, it can be overwhelming. How do you make good choices and stop yourself getting in too deep?

Let’s be honest – we live in pretty comfortable times, don’t we? We’ve got more choice than ever. Just take a walk through the supermarket and look at the sheer amount of options for any product you wish to buy.

On your way to work, you may ask yourself “should I go for the soy latte or the low-fat skim Frappuccino today?” “Do I want the latest Android or keep my iPhone?”. We are truly spoiled for choice.

For those of us living in the western world, are choices are limitless – not just for tangible goods, but for every decision we’re fortunate enough to have the freedom to make.

Decision Making

According to an article on The Huffington Post, the average working adult makes about 12 decisions before 9 am. The same article also references a Cornell University study which states that adults make approximately 70+ decisions every day.

The truth is though, we’re often busy decision making while putting frighteningly little thought into it! Every choice we make shapes our identity and life. From where we work, to the job we do, the neighbourhood we live in -these are all conscious choices.

But it’s also the little decisions we make all day, every day, that we often don’t even think about, that impact our lives. Big or small, they are still choices we make.

How You View Things

The lens from which we look at things influences our choices. We may say, for example, that we never have the money to do what we want to do or buy what we want to buy.

However, how we spend our money and how we see our money is also a choice. Is money something that causes you to worry or do you see it as something that empowers you?

Sometimes we put off decision making because we anticipate that the decision will be difficult. Ironically, deciding not to make a difficult decision is a decision in itself.

Making the Right Decisions for You

It’s important to look at the decisions you’re making in your life. Sometimes we make choices based on other people’s opinions – our friends, family or partner – and then don’t understand why we’re not living the life we wish to live.

What does it mean if I spend my money on x? Would I be happier if I spent my money on y?

The bottom line is that it’s important for you to understand you are making choices every day and it’s important that you make the right choices for you.

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Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk. Representative example: APR 1270% if borrowing £400 for 4 months. Interest rate: 292% p.a. (fixed). Total amount repayable: £665.48 by four instalments of £166.37. Maximum representative APR: 1604% if full loan repaid after 7 days.