Tag Archives: saving

Credit unions are for life–not just for Christmas!

Iona Bain CREDIT unions are for life, not just for Christmas. That’s the message from the Scottish League of Credit Unions, which is concerned its 31-strong network has been misrepresented as an alternative to the payday loan sector and a … Continue reading

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Filed under Christmas, Consumer Affairs, Credit, Debt, Loans, Payday loans, Personal Finance, Politics, Savings Accounts

Why auto-enrolment isn’t enough to defuse the pensions timebomb

Iona Bain It is often talked about as a ticking time bomb: too few workers saving too little for their retirement. And we are all supposed to be living longer than ever before – so who is going to pay … Continue reading

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Filed under Employment, Pensions & Retirement, Politics

Can we take care of the world while taking care of our finances?

IONA BAIN You don’t need to go all hippie to care about ethical finance… SCOTS are being asked to consider the moral implications of their financial decisions as part of a national drive to encourage ethical saving and investing. Religious … Continue reading

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Filed under Banking, Consumer Affairs, Ethical Finance, Pensions & Retirement, Personal Finance, Savings Accounts

Dealing with social pressures to spend: a few suggestions

Iona Bain Picture the scene: it’s Friday night and your friends want to go out to a bar or a fancy new restaurant.  But you’re not sure if you can afford it – perhaps you’ve been splashing out a bit … Continue reading

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Filed under Leisure, Moneysaving tips, Personal Finance, Shopping

20 Tips From 20 Pensions Experts – How To Retire With A Good Pension: In association with Dam Good Pensions

By dam good pensions with iona bain We would all love to have a DAM good pension when we retire, but how do we go about getting that pension pot we can be happy with? Well, here at DAM we … Continue reading

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Filed under Pensions & Retirement, Personal Finance

The campaign for credit unions is gathering pace…

Iona Bain I’m not one for flashy infographics but one of the biggest forces for good in our society has to be the good old credit union, so happy to share this factsheet in order to fight the good fight. … Continue reading

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Filed under Payday loans, Savings Accounts

Should everyone really get their pension at the same time?

IONA BAIN REPORTING FOR THE HERALD Many youngsters today will have no choice but to work longer and retire later. That will be the inevitable upshot of this year’s Autumn Statement, which revealed plans to place the state pension age … Continue reading

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Filed under Economy, Pensions & Retirement, Politics

A company that targets unemployed students – and why the payday loan damage has already been done

Britain’s financial watchdog has published its long awaited report into how payday loan companies should be kept in check. But is it a case of too little, too late? Iona Bain The payday loan has become the product that we … Continue reading

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Filed under Banking, Money Advice, Payday loans, Personal Finance, Personal Finance Education

Are ambitious pension goals realistic…or demoralising?

As auto-enrolment creeps up on young workers, should we resolve to make more active decisions about our financial future…or leave it up to fate? Iona bain The swirl of negative headlines surrounding the pensions industry, the latest being the £1.4m … Continue reading

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Filed under Graduate finance, Pensions & Retirement, Savings Accounts

The rise of the virtual university

My latest column for Baillie Gifford – this month, I’m discussing whether the virtual university will ever replace the real thing, given the VERY persuasive financial upsides… Iona Bain If you were asked to conjure up a picture of university, … Continue reading

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Filed under Investments, Personal Finance, Student Finance, Technology