{"id":101716,"date":"2018-11-27T13:00:11","date_gmt":"2018-11-27T06:00:11","guid":{"rendered":"http:\/\/www.siamlandbank.com\/propertynews\/property-news\/is-a-property-crash-coming-we-answer-the-20-most-pressing-personal-finance-questions\/"},"modified":"2018-11-27T13:03:29","modified_gmt":"2018-11-27T06:03:29","slug":"is-a-property-crash-coming-we-answer-the-20-most-pressing-personal-finance-questions","status":"publish","type":"post","link":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/is-a-property-crash-coming-we-answer-the-20-most-pressing-personal-finance-questions\/","title":{"rendered":"Is a property crash coming? We answer the 20 most pressing personal finance questions"},"content":{"rendered":"


\nShould I buy travel insurance from Ryanair? How much money do I need to retire? And do shops have to accept Scottish banknotes? The Guardian\u2019s money team on everything you need to know about your cashFirst, pay down your debts. It is foolish to keep, say, a \u00a33,000 balance in savings while repaying the monthly minimum on a \u00a35,000 credit card debt. That said, try to keep about \u00a3500 aside for emergencies \u2013 a car or boiler breakdown, for instance. Once your credit cards are paid off, the rule of thumb is that you should keep between two and three months\u2019 worth of take-home pay as an \u201cinstant access\u201d reserve fund. But banks typically pay a lousy 0.1%-0.2% interest on these accounts. Put some of it through a \u201cregular\u201d savings account instead \u2013 you can save \u00a3250 a month at Nationwide building society, and get 5% interest. Patrick Collinson Continue reading…
\n
\nSource : theguardian.com
\nRead more…Is a property crash coming? We answer the 20 most pressing personal finance questions<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Should I buy travel insurance from Ryanair? How much money do I need to retire?...<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"false","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"spay_email":"","footnotes":"","jetpack_publicize_message":"","jetpack_is_tweetstorm":false,"jetpack_publicize_feature_enabled":true},"categories":[1],"tags":[],"class_list":["post-101716","post","type-post","status-publish","format-standard","hentry","category-property-news"],"jetpack_featured_media_url":"","jetpack_publicize_connections":[],"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p75ss1-qsA","jetpack-related-posts":[{"id":172278,"url":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/fed-holds-rates-steady-what-it-means-for-credit-cards-savings-accounts-mortgages-and-auto-loans\/","url_meta":{"origin":101716,"position":0},"title":"Fed holds rates steady: What it means for credit cards, savings accounts, mortgages and auto loans","date":"July 30, 2026","format":false,"excerpt":"\r The Fed's benchmark affects many of the interest rates consumers see every day, including those tied to mortgages, credit cards, car loans and savings accounts.\r \r Source : cnbc.com\r Read more...Fed holds rates steady: What it means for credit cards, savings accounts, mortgages and auto loans","rel":"","context":"In "Property News"","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":172584,"url":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/fed-raises-rates-what-it-means-for-your-credit-cards-mortgages-savings-accounts-and-auto-loans\/","url_meta":{"origin":101716,"position":1},"title":"Fed raises rates: What it means for your credit cards, mortgages, savings accounts and auto loans","date":"September 17, 2026","format":false,"excerpt":"\r The Fed's quarter-point rate hike will impact a range of consumer borrowing and savings costs, including mortgages, credit cards, car loans and deposit rates.\r \r Source : cnbc.com\r Read more...Fed raises rates: What it means for your credit cards, mortgages, savings accounts and auto loans","rel":"","context":"In "Property News"","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":167060,"url":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/what-decembers-fed-rate-cut-means-for-your-mortgage-credit-card-auto-loan-student-debt-and-savings\/","url_meta":{"origin":101716,"position":2},"title":"What December's Fed rate cut means for your mortgage, credit card, auto loan, student debt and savings","date":"December 11, 2025","format":false,"excerpt":"\r From\u00a0credit cards and car loans to mortgage rates, student loans and savings accounts, here's a look at the ways a Fed rate cut could affect your finances.\r \r Source : cnbc.com\r Read more...What December's Fed rate cut means for your mortgage, credit card, auto loan, student debt and savings","rel":"","context":"In "Property News"","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":161181,"url":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/fed-rate-cut-heres-what-it-means-for-your-mortgage-rate-credit-cards-savings-accounts-and-more\/","url_meta":{"origin":101716,"position":3},"title":"Fed rate cut: Here\u2019s what it means for your mortgage rate, credit cards, savings accounts and more","date":"September 18, 2025","format":false,"excerpt":"\r The Federal Reserve cut its benchmark by a quarter point. 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