Articles written by Gordon Hamilton in Personal Finance

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About me - Gordon Hamilton

Gordon Hamilton's professional background is within the UK Banking Sector. Between the years of 1988 and 2007, he worked for what was initially Halifax Building Society (Savings and Loan,) became Halifax plc and ultimately Halifax Bank of Scotland plc. He

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Personal Finance > Budgets & Saving How to save at the grocery store: 3 of 61
It would be shrewd and prudent for us all to examine how to save money at the grocery store in these troubled times of Credit Crunch, economic recession and all round financial gloom. There are perhaps a great many of us who do not fully realise just how much we may potentially cut from our expenditure in this respect and tha... More..
Personal Finance > Credit Cards How to eliminate credit card debt: 3 of 61
It may seem somewhat obvious to say but when considering how to eliminate credit card debt, the first step we have to take is to stop using our credit cards. We may wish to stop short of actually cutting them up to remove any form of temptation altogether, with a view to beginning using them again in a more sensible fashion w... More..
Personal Finance > Banking Basics Guide to paying bills online: 1 of 17
Whenever we are looking at any guide to paying bills online, it is imperative that we ensure the guide takes full account of our security in the process of doing so. There are many risks inherent with paying bills online and if we do not take them in to account, we may very well be exposing ourselves to potential fraudulent u... More..
Personal Finance > Credit Cards When to pay cash and when to use a credit card: 4 of 55
The issue of when to pay cash and when to use a credit card is one which on occasion will be determined by circumstances outwith our control but more often than not we will have the option of using either. It is important, therefore, if we are to successfully to avoid such as debt problems further down the line, we know when ... More..
Personal Finance > Budgets & Saving How to stop wasting money and build your savings: 3 of 40
Determining how to stop wasting money and build your savings is one thing but very often, sticking to the plan of action which you so determine can be quite another. The vast majority of people who do squander most of their income are generally aware of this fact but either do not care enough to do anything about it or are in... More..
Personal Finance > Managing Debt How to avoid credit card debt: 1 of 13
It is all too easy to say that the best way to avoid credit card debt is to simply not have a credit card and leave it at that. Unfortunately, in this complicated world in which we live today, there are a great many occasions upon which we find ourselves in need of a credit card.Whether we are booking a hotel room, making a p... More..
Personal Finance > Smart Spending Ways to save money at the supermarket: 6 of 66
There are an all but infinite variety of ways to save money at the supermarket. They include being aware of incentive schemes which the relevant supermarket may offer regular customers, to watching for special offers which may from time to time be available, to carefully disciplining that which is purchased during any and all... More..
Personal Finance > Budgets & Saving The basics of personal budgeting: 5 of 51
There are far too many of us who ignore the basics of personal budgeting and make the whole process far more complicated and less likely to succeed than it ever need be. The basics of personal budgeting are simply formatting our expenditure in such a fashion that it is compatible with our income and affords us a comfortable w... More..
Personal Finance > Credit Cards Protecting yourself from credit card fraud: 1 of 9
Protecting yourself from credit card fraud is very often a matter of common sense but there are several requirements which you should be aware of if you are to optimise the process. Fraudsters are becoming more and more sophisticated in their tactics every single day and the last thing which we therefore need to afford them i... More..
Personal Finance > Managing Credit How much credit is too much?: 2 of 16
If we consider how much credit is too much, we of course have to consider our own financial circumstances in order to come up with a specific figure. The principals of this determination, however, apply to everyone equally, regardless of income, and can be established by each and every person in similar fashion. The short an... More..