Every January, we’re encouraged to make New Year’s resolutions.   Eat better. Exercise more. Be more productive. Post more content.   And every January, many of those resolutions quietly fall away. Not because we lack motivation, but because resolutions often come with pressure, guilt, and a sense of failure when life inevitably gets in the way.   This year, I’m doing something different.

The Bank of England has chosen to hold the base rate at 3.75%, following its quarter-point cut in December. While the decision itself was widely expected, the narrow 5–4 vote tells a more interesting story about where interest rates could head next, and what that means for mortgage borrowers.

First-time buyers, take note — ordering a pizza on credit could influence your mortgage chances. Here’s what you need to know. In recent years, buy now, pay later (BNPL) providers such as Klarna have made it easier than ever to spread the cost of online shopping. For many, it feels like a harmless, flexible way to manage money. But if you're planning to get on the property ladder, it’s important to understand how Klarna, and other similar services, might affect your mortgage