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Nic Gardner

Nic is a freelance writer with a focus on personal finance, technology, budget travel, and work-life balance.

Recent Articles

Jar filled with coins
Personal Finance

Why low interest rates puts savings in cash at risk

| Nic Gardner

Cash is a low-risk way to save, but with low interest rates and inflation, you might end up with less…

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Young woman and her dog travelling together in a car
Personal Finance

5 safety tips for driving in bright sunlight to avoid a £1k fine

| Nic Gardner

Driving in bright sunlight can be dangerous. To save you a fine and points on your licence (at best!), here's…

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Jar filled with coins
Personal Finance

What will banking accounts look like in the future?

| Nic Gardner

Today’s banking accounts were the stuff of science fiction twenty years ago. What will banking accounts will look like in…

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Family with small yellow dog embracing at hill and looking at sunset
Personal Finance

Where can I live with a British passport after Brexit?

| Nic Gardner

If you still dream of living overseas after Brexit, we’ll take a look at the rules, find out where you…

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potted green plant grows up in arrow shape
Investing

What goes up when the stock market crashes?

| Nic Gardner

For investors, stock market crashes can be terrifying. But not everything drops in a crash. Nic Gardner looks at what…

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Sixed group of millennial aged friends discuss investing
Personal Finance

Can I buy shares in Wise?

| Nic Gardner

If you're in the UK or EU and interested in investing, read on to find out what Wise is, whether…

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Man sat at laptop computer using credit card to pay online using mobile phone
Personal Finance

Are banking apps safe?

| Nic Gardner

No longer do we have to go into the bank, queue up and wait to talk to a teller. With…

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A stack of credit cards piled on top of each other
Personal Finance

What is an RFID chip, and what does it do?

| Nic Gardner

You might not know what an RFID chip is, but you almost certainly own at least one! Are they safe?…

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