Loqbox Blog

Master your money with our latest articles, ideas and guides

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Do business loans affect your personal credit score?

If you’re a budding entrepreneur or small business owner you might be wondering how business loans, associations, and credit cards affect personal credit scores. Or, if you’re dreaming up a new business venture, you might be asking, “does your personal credit score affect a business loan?” Loqbox asks do business loans affect personal credit? Let’s get into it.

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Credit score for renting: landlord credit check — what do they see?

Moving to a new home can be stressful. But a lot of people don’t realise that you might need a credit score for renting a house or apartment in the UK. What are landlord credit checks, what do they see, and what credit checks do landlords do? Loqbox looks at credit scores for renting and how you can give yourself the best possible chance.

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Should you have a Buy Now, Pay Later Christmas?

With the festive season upon us, it’s easy to get swept up by the allure of twinkling lights, festive decorations, and the joy of gift-giving. But as the anticipation of the holidays rises, so can your costs. One question might creep onto the lips of those of us not wanting to skimp on the festive magic: “Should I have a Buy Now, Pay Later (BNPL) Christmas?

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No gift Christmas? Christmas present ideas with no money

The holiday season is a time of joy, togetherness and gift-giving. But what if this year's budget is tighter than Santa's belt? Don't worry, a no gift Christmas doesn't mean a joyless one. Loqbox has wrapped up heartwarming Christmas gift ideas when you have no money, or even just if you need to cut spending to focus on your financial goals.

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11 popular New Year financial resolution ideas

As the New Year approaches, many of us will be thinking back on how our lives have changed over the past 12 months, and setting goals for the new year with determination. The most common resolutions for the new year are joining a gym, quitting a habit, or learning new skills. But have you considered making enjoying a happier, healthier relationship with money your New Year’s resolution?

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Do Christmas holidays affect your credit score?

The festive season can be a great opportunity to spend more time with loved ones. But, unless you’ve got secret access to Santa’s bank details, the extra expense of all that eating, drinking and merriment can make a bit of a dent in your finances. But don’t worry, Loqbox is here to help you understand the impact of Christmas on your credit score.

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How to grow wealth in your 40s

Mastering your finances in your 40s can play a pivotal role in building wealth for your future. As you hit the big four-zero, you may be juggling responsibilities like family, a mortgage and considering your retirement fund for the future, while also wondering how to take the next financial steps in life. If you’re feeling unsure about whether you are putting the best foot forward — financially speaking — don’t worry, we’ve got you covered. Loqbox takes a look at the 7 best ways to build wealth in your 40s.

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Best ways to build credit scores for young adults

A young adult is somebody between the ages of 18 and 26. It’s an exciting time in your life when you step out from under your parents’ or guardians’ wings and start taking on adult responsibilities, like building your financial independence. If you’re looking at ways to build credit, Loqbox’s credit guide for young adults is here to help.

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Is renting or buying a house better?

Renting or buying a property is a big decision, and it's one that many people struggle with. There are pros and cons to both options, and it can be difficult to know which one is right for you. If you're feeling overwhelmed, don't worry — you're not alone.

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You’ve heard of willpower, now discover waypower

Around this time of year, our minds tend to turn towards resolutions around what truly matters to us most. And if you’re reading this, you’ve likely decided what your goal for the year ahead is already. ‍The true challenge from here lies not only in setting the goal — but in achieving it. And this is where the concept of 'waypower' comes in. It’s your practical roadmap that complements the motivational drive of your willpower.

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