Loqbox Blog

Master your money with our latest articles, ideas and guides

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I have no credit history, where do I start?

What if you’ve never borrowed money or taken out a credit card? What shows on your credit report, how does it affect your credit score and how can you build your credit history to improve your credit score? Read on for our tips and guidance.

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What taxes affect your credit score?

HM Revenue & Customs (HMRC) collect your taxes and ensure they get paid and aren’t missed. If you don’t pay your taxes this becomes a debt to HMRC. But whether you pay it or not, does it affect your credit score? Loqbox has you covered!

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Can self-employment affect my credit score?

Self-employment offers a great deal of freedom and flexibility, but it also comes with responsibility and uncertainty. Not only do you constantly need to find your next job, but you’ve got to organise your own taxes. There’s plenty to love about being your own boss, but Loqbox can help you be the boss of your own finances, too.?‍

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How to get a happy money mindset

Because money is a leading cause of stress we thought we’d share our tips on how to get a happy money mindset. We want to help you feel good about money. So if money is something that stresses you out, keep reading.

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5 good money habits of financially stable individuals

Money can cause a great deal of anxiety. When debts are mounting, it’s easy to feel financially trapped and as though your big life plans are financially out of reach. But don’t worry, Loqbox has your back with 5 good habits that will help you become a more financially stable person.

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10 money saving tips to save money in the new year

New year’s resolutions don’t always last. But giving your money a quick health check in January can help you to smash your savings goals for the year ahead! Loqbox has 10 easy tips to get your money (and your financial wellbeing!) on track in the new year.

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Will your personal tax allowance increase in 2023?

Will your income tax personal allowance increase in 2023, what are the new higher rate thresholds for tax, and how will your money be affected under Prime Minister Rishi Sunak’s income tax? Loqbox has untangled the confusion to shine a little light on the new year!

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I need to manage my money! Our top tips to personal money management

Managing your money can feel overwhelming. But getting it right might save you £1,000s every year and help you find financial wellness and stability. It takes some patience and commitment but with Loqbox’s guide it doesn’t have to be daunting! Read on for tips and advice for personal money management.

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Do utility bills (like your energy bills) affect credit scores?

It would be nice if your regular payment of utility bills (like energy or mobile phone bills) would count towards your credit report and positively affect your credit score, right? Unfortunately, they generally have no impact. And worst of all, when they do it’s usually a negative one! But it’s not all bad news. When it comes to credit Loqbox knows the score.

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Are balance transfers good for my credit score?

Balance transfer credit cards are one of the most popular ways to begin clearing debts. So if your New Year’s Resolution is to work on becoming debt-free in 2023, or you’re looking to save some money on interest fees, this blog post is for you. ‍

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