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Victor Garrett

Victor is a freelance writer who loves to read and write about personal finance and related disciplines with the aim of educating people to make better financial and investment decisions.

Recent Articles

Young man shopping with credit card and laptop computer
Personal Finance

Low-income households warned against more credit card borrowing: 3 tips to avoid drowning in debt

| Victor Garrett

Increased credit card borrowing could lead to financial problems for low-income households. Here are three tips to help you avoid…

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Woman looking sideways at credit card
Personal Finance

60% of Brits pay more credit card interest than they need to. Are you among them?

| Victor Garrett

60% of Brits pay more credit card interest than they need to. Are you among them? Here's how to keep…

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Business man on stock market crash financial trade indicator background.
Personal Finance

Spring Statement 2022: 4 stocks that could rise

| Victor Garrett

Rishi Sunak will deliver his Spring Statement to the House of Commons on 23 March. Which stocks are likely to…

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Woman looking sideways at credit card
Personal Finance

Heads up! Balance transfer credit card deals sweeten: enjoy up to 33 months of no interest

| Victor Garrett

Balance transfer credit card providers have started introducing sweeter deals to give borrowers a much-needed financial break. Here's how.

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Young Woman Drives Car With Dog in Back Seat
Personal Finance

Petrol price today: is it currently cheaper to drive an electric vehicle (EV)?

| Victor Garrett

Petrol prices continue to rise, causing a surge in the number of Brits looking to buy EVs. Does this mean…

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Sixed group of millennial aged friends discuss investing
Personal Finance

Stock market news: 5 ways top investors are safeguarding their wealth

| Victor Garrett

With high levels of uncertainty in the stock market and no signs that things are going to cool, here are…

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Home key with house keyring with calculator.
Personal Finance

Low-rate mortgage deals are disappearing: how can you land the right deal?

| Victor Garrett

For aspiring homeowners, cheaper mortgages are becoming increasingly scarce. Why is this happening? And how can you still land a…

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Personal Finance

Revealed! Insurance premiums are on the rise. Are you affected?

| Victor Garrett

Consumer Intelligence carried out a study that reveals insurance premiums are on the rise. Are you affected? How can you…

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Two men moving into a new home, looking at laptop
Personal Finance

Cheapest areas to rent in London 2022

| Victor Garrett

If you're looking to move to the capital, where's best to begin your search? Victor Garrett takes a look at…

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Woman looking sideways at credit card
Personal Finance

Energy crisis: how to save money on credit card debt

| Victor Garrett

Taking steps to save money as soon as possible could be an excellent move to remain financially resilient. So, how…

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Businessman looking at a red arrow crashing through the floor
Personal Finance

Meta shares plunge: what does this mean for investors?

| Victor Garrett

Facebook parent Meta has seen its stock plunge by more than 26%. Should investors buy the dip, sell, continue holding…

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Senior woman wearing glasses using laptop at home
Personal Finance

Energy price cap raised by £693! Switch tariffs or suppliers to save over £240

| Victor Garrett

The energy price cap has risen by £693! Could you switch energy tariffs or suppliers to save over £240? Here’s…

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Personal Finance

UK weather: 2 insurance policies you need during stormy weather

| Victor Garrett

With more storms and storm damage expected, it’s prudent to take out or check your insurance policies to avoid dipping…

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View over businesslady shoulder seated at workplace desk look at computer screen
Personal Finance

Small businesses saving £4,000+ a month thanks to hybrid working

| Victor Garrett

Covid-19 has heavily impacted small businesses, but you could save upwards of £4,000 a month by adopting these flexible and…

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Scene depicting the City of London, home of the FTSE 100
Personal Finance

FTSE reshuffle: what to do if you invest in a company booted out of FTSE 100

| Victor Garrett

What happens if you hold stocks in a company that gets booted from the FTSE 100 to the FTSE 250?…

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Female couple moving into apartment
Personal Finance

Millennials currently prefer to rent rather than own: here’s why

| Victor Garrett

Some millennials are currently opting to rent rather than pursue homeownership, claiming it works better for them. Here's why.

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3D Word IPO with Target on Chalkboard Background
Personal Finance

4 rumoured start-up IPOs on investors’ watchlists in 2022

| Victor Garrett

Many companies were expected to list in 2021 but put plans on hold due to an uncertain market. Here are…

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Young casual man and girl using laptop while looking at invoice and plan the budget to save.
Personal Finance

How to protect your emergency fund amid rising inflation

| Victor Garrett

As inflation continues to soar, it’s crucial to consider measures to protect your emergency fund and avoid lowering your financial…

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Inflation in newspapers
Personal Finance

Wages aren’t rising in line with inflation: how can you weather the storm?

| Victor Garrett

If salaries increased with inflation, Brits would be £25,397 a year better off. Without an inflation-beating pay rise, how can…

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Lady kissing laptop
Personal Finance

3 free or cheap side hustles that could earn you £1,000+ a month in 2022

| Victor Garrett

With the increasing cost of living stressing your finances, it makes sense to increase your income. Could you earn £1,000+…

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Home key with house keyring with calculator.
Personal Finance

Tighter mortgage rules: are first-time buyers and those remortgaging in trouble?

| Victor Garrett

Lenders have noticed that many families might not be able to afford mortgages and are tightening their lending rules. What…

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Woman looking sideways at credit card
Personal Finance

5 tips to maintaining a good credit score beyond Quitter’s Day

| Victor Garrett

If your New Year's resolutions to drop poor financial habits are slipping, here’s how to ensure you maintain a good…

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Young Woman Drives Car With Dog in Back Seat
Personal Finance

5 financial reasons Brits are reluctant to change to electric vehicles (EVs)

| Victor Garrett

The sale of petrol and diesel cars will be banned from 2030. Yet, some Brits are still reluctant to change…

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'For Sale' sign outside of a terraced house in the UK
Personal Finance

Selling your home in 2022? 3 tips to add value without breaking bank

| Victor Garrett

If you're planning to sell your home, it makes sense to maximise the sale price. Here are three tips to…

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Twenty pound notes in back pocket of jeans
Personal Finance

Here’s how much more you’re likely to spend starting in April 2022

| Victor Garrett

The perfect financial storm is brewing, and it might hit unprepared households hard. Here’s how much more you’re likely to…

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Older woman worried about the future
Personal Finance

Will the government support Brits struggling with rocketing energy bills?

| Victor Garrett

With the energy price cap set to rise this spring, will the government support vulnerable households with their bills? Here’s…

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Old empty wallet in hands.
Personal Finance

5 tips to help you spend less of your money in 2022

| Victor Garrett

With the cost of goods and services on the rise, it’s essential to find ways to spend less of your…

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Happy parents playing with little kids riding in box
Personal Finance

How can families in social housing weather the brewing rent hike storm?

| Victor Garrett

With social housing rent hikes forecast for April 2022, families could find themselves in rent arrears if they don’t take…

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Jar filled with coins
Personal Finance

6 tips to improve your savings skills as 2022 begins

| Victor Garrett

The beginning of a new year is the perfect time to take control of your finances, especially now that the…

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Happy parents playing with little kids riding in box
Personal Finance

Are rents in cities finally going down?

| Victor Garrett

Demand for flats in cities outstripped demand for houses during autumn. Does this mean rent in cities has finally started…

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Senior woman wearing glasses using laptop at home
Personal Finance

Energy bills set to skyrocket in 2022: how can you prepare yourself?

| Victor Garrett

Vulnerable households could face a substantial financial blow when the energy price cap increases in April 2022. Here's how you…

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A person holding onto a fan of twenty pound notes
Personal Finance

Great ideas for passive income in 2022

| Victor Garrett

It makes financial sense to have passive income, especially now that the cost of living is rising. Could one of…

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Young casual man and girl using laptop while looking at invoice and plan the budget to save.
Personal Finance

How to save £400 by consolidating your debts through remortgaging

| Victor Garrett

Inflation, interest rates and bills are rising, and as a result, debt is too. Could you save £400 by consolidating…

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Twenty pound notes in back pocket of jeans
Personal Finance

7 ways to cut costs this winter as inflation continues to rise

| Victor Garrett

As rising inflation bites, could you end up dipping into your savings this winter? Here are seven ways you could…

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For Sale signs displayed outside terraced houses
Personal Finance

Expert tips for anyone looking to buy a house in 2022

| Victor Garrett

As house prices continue to rise, it’s crucial to make an attractive offer. Here are six tips for anyone looking…

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Young woman wearing face mask while walking in the streets of London
Personal Finance

Brits face fines of up to £6,400 for flouting mask-wearing rules

| Victor Garrett

Brits could face fines of up to £6,400 for flouting mask-wearing rules. Victor Garrett takes a look at what you…

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Happy parents playing with little kids riding in box
Personal Finance

Will rent prices for larger homes go down in 2022?

| Victor Garrett

Rent prices for larger homes remain high, making trading up to gain vital extra space challenging. Are rent prices set…

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Home key with house keyring with calculator.
Personal Finance

How mortgage rates, house prices and the Stamp Duty holiday made the perfect storm

| Victor Garrett

The Stamp Duty holiday is over, house prices are at record highs and mortgage rates are rising. What can aspiring…

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Woman buying electronics online at Black Friday while relaxing at the bed with her dog
Personal Finance

Save up to 60% on Christmas gifts with Black Friday bargains!

| Victor Garrett

Black Friday presents an opportunity for you to save up to 60% on tech, clothing, home and lifestyle products. Here’s…

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estate agent welcoming a couple to house viewing
Personal Finance

How to complete the perfect negotiation when buying property

| Victor Garrett

With house prices rising, negotiation is becoming a crucial tool. So, how do you complete the perfect negotiation when buying…

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