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Freebies! – Things you never knew you could pick up for free or never even knew you wanted!

by Steve Lee / February 16th, 2018

  We LOVE free things here at TFS Loans! Every week we scour the web to find the best cheap deals, money saving ideas and clever tricks to save money but this week we have gone one better and found a nice selection of free items – samples, giveaways, software etc. – for our readers. Some of these listed may be limited to geographical locations and may actually feature certain attractions across Britain, but we certainly hope they’ll be useful to all!   3G Watchdog Pro – Google Play This fantastic little app monitors your mobile data usage and gives…

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In need of some sun? How to bag yourself a bargain before end of February…

by Steve Lee / February 12th, 2018

    According to the Travel experts, if you want to bag yourself a great holiday deal without compromise, especially if you are restricted to school holidays, you need to book it before the end of February. With only a couple of weeks left we thought we’d find out more about how to get a great deal…   Online travel agents like ,  or, tend to use low-cost flights for beach destinations and have some good deals. But as you probably already know, low-cost flights only go up from the point they are released, so make sure…

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How do lenders decide whether to give you credit?

by Steve Lee / February 9th, 2018

  Whenever you apply for a loan, the lender has to decide whether to lend to you or not. Most lenders make this decision based on whether or not you are a good risk – in other words you have a high likelihood of being able to pay the loan back in full and on time. Lenders use different things to help decide whether to lend to you. All lenders have a scoring system, whereby the information that they collect from you during the application process is scored against their criteria (this is different for every lender). The higher your…

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Thinking of a new car this year – find out how much you can get for your old banger?

by Steve Lee / February 7th, 2018

  16 car makers have extended their 2017 scrappage offers into 2018. This means that if you are planning on replacing your ageing vehicle with a new much cleaner and environmentally friendly model, you could get a decent discount. At the moment these deals run until end March 2018, so if you are thinking of upgrading your car, read on to find out what you could get for your current vehicle. It’s important to remember that each car manufacturer stipulates what vehicles they will accept on their scrappage scheme and all offer different discounts.   Dacia accepts any Euro 1-4…

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Boot sales and charity shops – how you can style your home, dress for less, or make extra cash and have fun doing it!

by Steve Lee / February 1st, 2018

  We are always looking for ways to save money here at TFS, whether it’s from past blogs on shopping bills, cashback and incentives etc, so this blog is no different and in a similar vein. When it comes to bargains, you will struggle to find better places than folks that are selling seemingly unwanted items. Even if you do not find anything that you are looking for, what if you could pick up items that could actually make you some money? When it comes to shopping in 2nd hand shops, charity shops or at markets/boot sales, there definitely seems…

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A Complete Guide to Guarantor Loans

by Steve Lee / January 30th, 2018

  This is all you need to know about guarantor loans from the experts. Including what they are, how they work and how to land yourself a loan.   Back in the late 20th century, loans were given to individuals by banks based solely on trust. Before the creation of digital credit scores and computers, banks lent money on a trust basis. Whilst a lot has changed since then, guarantor loans have made a comeback – with traditional lending put at the centre. At TFS Loans, we offer guarantor loans for those with bad credit, in need of a loan,…

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The importance of your privacy settings on Social Media

by Steve Lee / January 25th, 2018

    CIFAS, the not-for-profit organisation working to reduce and prevent fraud and financial crime in the UK, has recently released a short video on YouTube. It brilliantly illustrates the importance of protecting your privacy on social media and is well worth a watch. You can view it by clicking the link below: How Private is your Personal Information?   Social media is both a blessing and a curse. Whilst you can connect with more people than ever before, you do need to be careful about who you are sharing your personal information with and the type of information you…

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‘Blue Monday’ 2018

by Steve Lee / January 16th, 2018

  What is Blue Monday? Why is it so depressing? And how do you get through it? If you thought taking the Christmas decorations down was a depressing time, just wait until Blue Monday. Nationally recognised as ‘the most depressing day of the year’, when Blue Monday hits, it hits hard. Your account has been depleted after an expensive Christmas, and whilst that early pay in December may have seemed like a great idea then, you’re feeling a little strapped for cash… This year, the infamous day landed on Monday 15th January. Every new year, on the third Monday in…

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Get rewarded for getting fit

by Steve Lee / January 15th, 2018

  The buzz around the office is there is an app. that rewards you with local and online deals for running about, working out and basically sweating! As you know, we’re not ones to pass up a freebie so we thought we’d find out a bit more about it and share it with you. The Sweatcoin app is available on both Apple and Android app stores for free. It tracks the number of steps using your phone’s built-in sensors and uses ‘complex software’ to make sure people aren’t cheating. It then rewards you with a digital currency called ‘sweatcoins’ that can…

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New Year Resolutions – how to make them and not break them

by Steve Lee / January 9th, 2018

  New Year Resolutions tend to be a triumph of hope over experience. As few as 8% of people meet the goals they set on 1st January. The trick is not to be too hard on yourself and leave some room for vice. We thought we’d use this week’s blog to look at the most common resolutions people make and how to make them easier to achieve.   There is a general trend year on year for the types of resolutions we promise to try to make and not break. The most common being:   1. Eat more healthily. It’s…

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