{"id":3954,"date":"2019-09-25T12:33:40","date_gmt":"2019-09-25T12:33:40","guid":{"rendered":"https:\/\/www.credit-score.com\/blog\/?p=3954"},"modified":"2022-08-23T09:25:46","modified_gmt":"2022-08-23T09:25:46","slug":"money-a-users-guide","status":"publish","type":"post","link":"https:\/\/www.check.co.uk\/blog\/money-matters\/money-a-users-guide\/","title":{"rendered":"&#8220;You need more condoms during the recession&#8221;, and other things you will learn from Money: A User\u2019s Guide."},"content":{"rendered":"\n<p>This book is a fantastic way to up your knowledge of money and how to handle it. You\u2019ll learn about renting, buying a house, debt, budgeting, saving, investing, pensions, tax, bills, and insurance in just 364 pages. Laura is a natural writer, making you feel like you\u2019re getting advice from a close friend rather than a stranger who writes for a newspaper. <\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 counter-flat ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">What&#039;s Included?<\/p>\n<span class=\"ez-toc-title-toggle\"><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.check.co.uk\/blog\/money-matters\/money-a-users-guide\/#Youll_learn_about_renting_buying_a_house_debt_budgeting_saving_investing_your_money_pensions_tax_bills_and_insurance_in_just_364_pages\" >You\u2019ll learn about renting, buying a house, debt, budgeting, saving, investing your money, pensions, tax, bills, and insurance in just 364 pages.<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.check.co.uk\/blog\/money-matters\/money-a-users-guide\/#This_adorable_pocket-sized_book_designed_to_look_like_the_face_of_a_Monzo_card_is_fantastic_in_teaching_you_how_to_manage_your_money_Her_honest_tone_makes_you_want_to_keep_reading_%E2%80%93_the_perfect_voice_for_such_a_taboo_and_often_complicated_subject\" >This adorable pocket-sized book designed to look like the face of a Monzo card is fantastic in teaching you how to manage your money. Her honest tone makes you want to keep reading \u2013 the perfect voice for such a taboo and often complicated subject.<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.check.co.uk\/blog\/money-matters\/money-a-users-guide\/#You_may_be_investing_in_guns_through_your_pension\" >You may be investing in guns through your pension<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.check.co.uk\/blog\/money-matters\/money-a-users-guide\/#Your_email_account_the_time_of_application_and_even_your_social_media_posts_may_be_impacting_your_mortgage_application\" >Your email account, the time of application, and even your social media posts may be impacting your mortgage application.<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.check.co.uk\/blog\/money-matters\/money-a-users-guide\/#Laura_also_suggests_that_you_dont_post_anything_on_social_media_that_you_dont_want_to_be_judged_on\" >Laura also suggests that you don\u2019t post anything on social media that you don\u2019t want to be judged on.<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.check.co.uk\/blog\/money-matters\/money-a-users-guide\/#You_can_now_rent_a_property_without_a_deposit\" >You can now rent a property without a deposit<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.check.co.uk\/blog\/money-matters\/money-a-users-guide\/#Nobody_really_cares_about_your_student_loans\" >Nobody&nbsp;really&nbsp;cares about your student loans<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.check.co.uk\/blog\/money-matters\/money-a-users-guide\/#A_person_on_the_street_is_more_likely_to_tell_you_their_favourite_sex_position_than_their_bank_balance\" >A person on the street is more likely to tell you their favourite sex position than their bank balance.<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.check.co.uk\/blog\/money-matters\/money-a-users-guide\/#Lenders_dont_use_your_credit_score\" >Lenders don\u2019t use your credit score.<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.check.co.uk\/blog\/money-matters\/money-a-users-guide\/#The_good_news_is_we_do_know_%E2%80%93_and_you_can_too\" >The good news is:\nwe do know \u2013 and you can too!<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.check.co.uk\/blog\/money-matters\/money-a-users-guide\/#Lenders_do_use_your_credit_report_but_they_judge_the_individual_factors_on_it_differently_to_how_the_credit_bureau_does_This_is_where_Credit-Score_comes_in\" >Lenders do use your credit report, but they judge the individual factors on it differently to how the credit bureau does. This is where Credit-Score comes in.<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.check.co.uk\/blog\/money-matters\/money-a-users-guide\/#Credit-Score_offers_two_fabulous_solutions\" >Credit-Score offers two fabulous solutions<\/a><\/li><\/ul><\/nav><\/div>\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Youll_learn_about_renting_buying_a_house_debt_budgeting_saving_investing_your_money_pensions_tax_bills_and_insurance_in_just_364_pages\"><\/span>You\u2019ll learn about renting, buying a house, debt, budgeting, saving, investing your money, pensions, tax, bills, and insurance in just 364 pages. <span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Laura is a natural writer, making you feel like you\u2019re getting advice from a close friend rather than a stranger who writes for a newspaper. <\/p>\n\n\n\n<p>My only issue is the section on credit scores \u2013 this\ninformation follows the generic information that marketing has offered us for\nyears. To find out about all things credit scores, take a look at the Credit-Score\nblog, and maybe even sign up for an account! <\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"This_adorable_pocket-sized_book_designed_to_look_like_the_face_of_a_Monzo_card_is_fantastic_in_teaching_you_how_to_manage_your_money_Her_honest_tone_makes_you_want_to_keep_reading_%E2%80%93_the_perfect_voice_for_such_a_taboo_and_often_complicated_subject\"><\/span>This adorable pocket-sized book designed to look like the face of a Monzo card is fantastic in teaching you how to manage your money. Her honest tone makes you want to keep reading \u2013 the perfect voice for such a taboo and often complicated subject.<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Laura keeps the mood light, gives great examples, and tells\nsome downright hilarious stories. You feel like you\u2019re reading advice from a\nclose friend. <\/p>\n\n\n\n<p>Here are some of the interesting things you can learn if you read Money: A User\u2019s Guide<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"You_may_be_investing_in_guns_through_your_pension\"><\/span>You may be investing in guns through your pension<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>This one shocked me\n\u2013 I always gathered that my pension was being invested but it never occurred to\nme what it was investing in. Your pension is put into a \u2018default fund\u2019. Most\npeople simply leave this to do its thing, without ever changing it. <\/p>\n\n\n\n<p>The good news is, you can find out what you\u2019re investing in, and you can change it. The even greater news is that you could earn more on your pension by moving it out of the default fund because the default fund is often very cautious in investing.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Your_email_account_the_time_of_application_and_even_your_social_media_posts_may_be_impacting_your_mortgage_application\"><\/span>Your email account, the time of application, and even your social media posts may be impacting your mortgage application.<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>This one doesn\u2019t\nreally shock me at all. Lenders are trying to work out how risky you are to\ndetermine if you\u2019ll actually pay back the money that you are borrowing. If they\nfind that a high proportion of their riskiest borrowers have an AOL email\naddress, they might start judging you on your email address. <\/p>\n\n\n\n<p>Similarly, if\nyou\u2019re making an application at two-o-clock in the morning, you may be seen to\nbe impulsive, even if you\u2019ve been planning your application for a long time.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Laura_also_suggests_that_you_dont_post_anything_on_social_media_that_you_dont_want_to_be_judged_on\"><\/span>Laura also suggests that you don\u2019t post anything on social media that you don\u2019t want to be judged on. <span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>We\u2019ve all heard this when it comes to getting a new job or applying for university, so you should apply the same logic here.&nbsp;&nbsp; &nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"You_can_now_rent_a_property_without_a_deposit\"><\/span>You can now rent a property without a deposit<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>When you rent a\nproperty, you are often asked for several weeks of rent upfront in the place of\na deposit. When you move out, if you haven\u2019t completely trashed the place, you\nget the deposit back. Since earlier this year, your landlord can now hold no\nmore than six weeks rent as a deposit. <\/p>\n\n\n\n<p>However, you can now rent without a deposit. There are companies like the Zero Deposit Scheme and Reposit where you only pay them the equivalent of one weeks\u2019 rent and an annual fee. This is like insurance for the landlord. If you choose to do this, it might be cheaper upfront, but it will cost you more long term.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Nobody_really_cares_about_your_student_loans\"><\/span>Nobody&nbsp;<em>really<\/em>&nbsp;cares about your student loans<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Let\u2019s be real.\nStudent loans in the UK aren\u2019t <em>actually<\/em> debt. They don\u2019t sit on your\nshoulders or make you feel like a slave to the lender like other debts might. <\/p>\n\n\n\n<p>You don\u2019t have to pay any of your student loan back until you are making enough money to make repayments and even when you <em>are<\/em> making repayments, they\u2019re so small in comparison to your salary that you\u2019ll hardly even notice. A lot of people never pay off their student loans in full and that\u2019s not a problem at all because it isn\u2019t debt that\u2019s passed on to your family when you die. It\u2019s written off long before that anyway. <\/p>\n\n\n\n<p>Furthermore, you\u2019re not judged on your student loans by lenders. You won\u2019t be able to see them on your credit report \u2013 this isn\u2019t a mistake. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"A_person_on_the_street_is_more_likely_to_tell_you_their_favourite_sex_position_than_their_bank_balance\"><\/span>A person on the street is more likely to tell you their favourite sex position than their bank balance.<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Since reading this\nbook, this has been my go-to fun fact. People seem a little shocked at first,\nbut will nod their heads, understanding the logic and worrying that I\u2019m about\nto ask them for their bank balance. <\/p>\n\n\n\n<p>Put simply, your bank balance is a taboo, especially if it\u2019s in the negatives. People don\u2019t want to admit to having little or no money \u2013 this is all about keeping up appearances. Everyone wants a great salary and failing that, they want people to think they have a great salary; it\u2019s completely natural and completely hilarious that disclosing your bank balance is \u2018too personal\u2019 while your favourite sex position is completely shame-free for everyone to know.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Lenders_dont_use_your_credit_score\"><\/span>Lenders don\u2019t use your credit score.<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Okay, so Laura\ndidn\u2019t&nbsp;<em>quite<\/em>&nbsp;say the last thing, but she touched on it:<\/p>\n\n\n\n<p>\u2018[Lenders] have their own arcane bespoke credit-scoring system, based on\nwhat factors they deem important.\u2019<\/p>\n\n\n\n<p>Laura follows on to\nsay that \u2018nobody really knows how it all works\u2019.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The_good_news_is_we_do_know_%E2%80%93_and_you_can_too\"><\/span>The good news is:\nwe do know \u2013 and you can too!<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Credit scores are\nconfusing \u2013 you have three different ones, they\u2019re all judged by different\nthings and out of different numbers, but this is how it\u2019s determined that you\ncan (or more often can\u2019t) have a mortgage? In truth, the credit score is just\nthe front of a complicated system that doesn\u2019t really help you at all. <\/p>\n\n\n\n<p>Your credit score is a judgement of what the credit bureau thinks of you \u2013 this bit is true. However, the credit bureau isn\u2019t lending you money, and they\u2019re certainly not the ones making the decision on whether or not you are lent money. So, why wouldn\u2019t you, instead, find out the likelihood of the lender that will be (hopefully!) lending money to you? <\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Lenders_do_use_your_credit_report_but_they_judge_the_individual_factors_on_it_differently_to_how_the_credit_bureau_does_This_is_where_Credit-Score_comes_in\"><\/span>Lenders do use your credit report, but they judge the individual factors on it differently to how the credit bureau does. This is where Credit-Score comes in. <span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><a href=\"https:\/\/www.check.co.uk\/\" target=\"_blank\" rel=\"noreferrer noopener\">Credit-Score.com<\/a> shows you your credit report through the eyes of a lender \u2013 you can see exactly what lenders are looking at and receive personalised tips on how to improve it through their handy \u2018Score Booster\u2019. <\/p>\n\n\n\n<p>All in all \u2013 I\u2019d recommend this book to anyone who uses money. There are parts that would only apply to you if you\u2019re under the age of thirty \u2013 but everyone can benefit from learning more about money and how they manage it. And, if you don\u2019t want to read the book, take one thing from this article and change the fund that your pension is investing. You\u2019ll thank yourself (and me!) when you\u2019re retiring with over \u00a3100,000 more in your pension. <\/p>\n\n\n\n<p>I you want to buy <em>Money: A User\u2019s Guide<\/em> it\u2019s currently only \u00a32 on <a href=\"https:\/\/www.amazon.co.uk\/gp\/product\/0008308314?pf_rd_p=330fbd82-d4fe-42e5-9c16-d4b886747c64&amp;pf_rd_r=YRYX1ZCNFGSYY7KC4V02\">Amazon<\/a>*. Not a lot of money for a book that will save you a ton!<\/p>\n\n\n\n<p>*Price correct at time of writing. Don\u2019t @ me if it goes up!<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Credit-Score_offers_two_fabulous_solutions\"><\/span>Credit-Score offers two fabulous solutions<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>If you\u2019re preparing to take a mortgage, never apply until you\u2019ve tried our unique and&nbsp;<a href=\"https:\/\/home.credit-score.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">FREE Credit-Score Home app.<\/a>&nbsp;Our smart technology will tell you what you need to fix so you avoid rejection. The app predicts when you will be able to buy, for how much and tracks your month-by-month progress to mortgage success. We\u2019ve even added your own mortgage broker, so you get the best deals available.<\/p>\n\n\n\n<p>More focused on your credit rating? Well, get started for free with&nbsp;<a href=\"https:\/\/www.check.co.uk\/register\" target=\"_blank\" rel=\"noreferrer noopener\">Credit-Score\u2019s 24- Factor Credit Check<\/a>&nbsp;to truly help you improve your creditworthiness and how lenders view you. (Remember: lenders don\u2019t use your credit score! We\u2019ll show you what lenders look for and how to get your credit report in the best shape possible).<\/p>\n\n\n\n<p><strong><em>Last updated by Oliver Macmillan, May 2022<\/em><\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n","protected":false},"excerpt":{"rendered":"This book is a fantastic way to up your knowledge of money and how to handle it. You\u2019ll&hellip;\n","protected":false},"author":22,"featured_media":3960,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[284,291,452],"tags":[454,455,326],"class_list":{"0":"post-3954","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-money-matters","8":"category-money-saving-tips","9":"category-review","10":"tag-book","11":"tag-book-review","12":"tag-money"},"acf":[],"featured_image_src":"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2019\/07\/Money-AUG-e1562863112413.jpg","author_info":{"display_name":"admin","author_link":"https:\/\/www.check.co.uk\/blog\/author\/admin\/"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>&quot;You need more condoms during the recession&quot;, and other things you will learn from Money: A User\u2019s Guide. | Check.co.uk - See the problems your credit score hides<\/title>\n<meta name=\"description\" content=\"We review Money: A User&#039;s Guide by Laura Whateley, which outlines everything from budgeting to taxes, loans to pensions. 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