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Rhiannon Philps

Rhiannon Philps

Lead Writer
Rhiannon has been writing about personal finance for over three years, specialising in energy, motoring, credit cards and lending. After graduating from the University of Cambridge with a degree in History in 2017, she began writing for start-ups on topics ranging from sports to education, before moving into the finance industry.

The latest from Rhiannon

Surveys for Money: How Much Can You Earn?

If you’re looking for ways to make some extra money, you may be considering joining an online survey site. But what survey sites are available and how much can you…

29 Ways to Make Money Online and Offline

Make money with a side gig and learn how long it will take to see the extra income, whether it’s freelancing online, driving passengers or selling your stuff.

What is Amazon Prime? The Benefits, the Cost, and Whether it’s Worth it

Free one-day delivery and video streaming are just some of the features of an Amazon Prime membership, which you can get for just a £79 annual fee.

Personal Contract Hire: How Does Leasing a Car Work?

Personal contract hire (PCH), also known as leasing, is one option for someone looking to get a new car. You make monthly payments to use the vehicle but have to…

Does Getting a Loan Affect Your Credit Score?

A personal loan can improve your credit score in the long term as long as you consistently repay the debt on time. Find out more about the different ways that…

What is hire purchase?

When you buy a car through hire purchase, you pay a deposit and then make monthly payments over an agreed term to cover the rest of the cost. Read more…

What is Conditional Sale?

Conditional sale splits the full cost of a car into monthly payments, which you will repay over an agreed term. Unlike other forms of car finance, you will automatically become…

What is the Debt Respite Scheme? How to Apply for a Breathing Space

The breathing space, or Debt Respite Scheme, allows people with problem debt to freeze interest and fees on their debt arrears and pause any enforcement action.

Joint Loans: What Are They and How Do They Work?

Joint loans allow two, or occasionally more, people to borrow money together, but each person is fully liable for the debt being repaid. It is important to make sure that…

What is personal contract purchase?

Personal contract purchase, or PCP, is a form of car finance that allows you to use a car for an agreed term by making monthly payments. At the end of…

What is a Second Charge Mortgage?

A second charge mortgage allows homeowners to borrow against the equity in their property while still having an existing mortgage. These mortgages usually have higher interest rates than a standard…

Credit Union Loans: How Do They Work?

If you need to borrow money, you may consider a credit union loan. You need to join a credit union to apply for a loan, but they could be more…

Budgeting 101: How to Budget Money

Budgeting from scratch can be daunting. That’s why the 50/30/20 rule can be a helpful starting point. You can design a budget unique to you and your financial goals. Here’s…

How Do Business Loans Work?

A business loan could provide you with money to help your business grow. Find out how business loans work and how to get the right one for your business.

What is Business Breakdown Cover and Who Needs It?

Business breakdown cover can provide specialist protection for company fleets, delivery drivers and the self-employed, although standard cover may be sufficient for some people’s needs. Find out what commercial breakdown…
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