Be smart with money

The financial decisions you make today will have a long-term bearing on the rest of your life. This article examines five smart tips to set you on the right course.

Crypto wallets are used for storing cryptocurrencies and making crypto transactions via exchanges. Without them, we can’t have maximum security

We all love free stuff. Sure, we are often a bit skeptical because it can seem too good to be true, but free stuff is all around if you know where to look.

With tax season in full swing, it’s important to make sure you are equipped with the tools to accurately calculate your taxes and save as much money as possible this year.

Although it’s not as difficult as applying for a loan or a credit card you could be at a disadvantage when switching broadband providers if you have a poor credit history.

If you're struggling with credit card debt, you may be considering taking out a loan to pay it off. While this can be a good way to get your debt under control, it's crucial to do it for the right reasons. Here are a few things to consider before taking out a loan to pay off your credit card debt.

I’ve gone through a pretty peculiar path in life - from working as a nurse in the NHS to co-founding a fintech startup. I'll share how I got there and the financial lessons I learned along the way.

If you don’t have a health insurance plan, the best time to get one was yesterday. The cost of medical care is rising, and your insurance plan will save you from losing all your money or falling into debt because of an illness.

COVID-19 hit businesses hard, many employees and industries took a big hit. Many businesses face less demand than before the pandemic, new customer expectations, and challenges in operations because of new restrictions.

XE is a website that allows users to send and receive money transfers from around the world. However, if you need to cancel a money transfer that you've initiated through XE.com, there are a few steps that you'll need to take.

If you’ve already bought one home, you may already know what the process entails. However, if you’re new to the scene, there’s probably a whole lot you have to learn about the process.

With inflation rising and bills spiralling, we could all always save on the monthly outgoings. Home broadband is no exception so why pay more than necessary.

Investing in crypto is considered high-risk, but many investors are successful and get a huge return on their investment. Unfortunately, as a new investor, you may not be able to discern fact from fiction. However, you must know what's true and what isn't about crypto before you start investing so you can make the best decisions.

If you are looking for financial advice  at the tip of your fingers without going out of your way to look for it, this guide is for you! Here’s a list of the top 15 personal finance Instagram accounts in the UK to follow.

It is critical to learn how to invest in real estate from the ground up. This blog post tells the story of Lane, a former civil engineer who, after years of hard work, was able to create enough passive income to be able to leave his career.

The current state of the global economy, the stimulus package, and inflation is being reflected over in this blog post. Jessica Wallace, an economist working for the US government, is the guest on the Nova Money Mindset podcast, which is featured in this post. She's in charge of putting the stimulus plan into action, so she can tell you about what's going on behind the scenes.

Struggling with debt can be overwhelming, but so can taking care of your money and finding enough each month to put into savings. No matter what job you have or how much you make, everyone needs a little bit of help controlling their finances.

If you’re looking into cancelling your Three contract, we’re here to make the process as easy as possible!

Find cheap contact lenses and reduce costs today. Find the best tricks to reduce the price of your contact lenses, where to buy online and how to take care of them!

Mortgages can be daunting at the best of times, but when you’re self employed, securing a mortgage can feel like a real challenge. But it is definitely possible!

Reevaluating your subscription services is a brilliant way to cut down on your spending and if you’re interested in cancelling your TasteCard subscription, then we’re here to help!

The world of mortgages and property can seem pretty complicated, so we’re doing our best to break everything down for you so you have the knowledge you need to make the decisions that are right for you.

Trying to earn passive income is one of the main financial goals people set out for themselves. Luckily, apps can help make the work much easier, and investing apps can help you get your finances on track.

When it comes to furnishing your home, IKEA is everyone's go-to one-stop shop, but when it comes to payments, it might be best to save up rather than splash out with in-store financing.

This is the idea that you are funding your own savings goals first before paying your bills or any other expenses. You should treat ‘paying yourself’ either to your retirement fund or emergency fund like a bill before paying all your other expenses.

Side hustling is a great way to make some extra cash outside of your 9 to 5 job. Here are eight of the best side hustles to get you started!

At the start of 2021, there were over 70 energy providers in the UK. Since then, nine have gone bust or stopped trading whilst others struggle to keep afloat.

Credit checks are a vital part of the process, so it’s something that most people will go through during their lives. You may have had some already and not even know it yet.

It is true that you need to spend less than you earn to accumulate savings. But saving money is not enough, you also need to put your money to work in order to build wealth. Saving money does not protect you from market conditions such as inflation and economic downturns.

What is an Emergency Fund? Simply put, it’s money you have set aside for unexpected events in life including personal ones as well as ones we have no control over i.e. financial crisis/global pandemic.

Financial freedom is taking full ownership of your finances. You do not need to rely on anyone, worry about your bills or unexpected expenses. Riding the wave of a financial crisis doesn’t make you sweat and you are not burdened by debt.

Our generation is financially squeezed. Less than 6% of the wealth is owned by millennials. The wealth gap we never talk about.

You want to learn about investing because it’s the smart thing to do. You tried to do some research but there is so much information and jargon that you don’t even know where to start! This guide will show you where and how to begin.

NFTs are digital assets that live on the blockchain. They are usually created by artists who sell unique pieces of art, such as pictures, music or videos. How do you end up selling tech companies on the blockchain?

The biggest thing you can do if you want to pay less interest when getting a mortgage is to put down a bigger deposit. It's a real balance because you buy a home, but the costs don't stop there. There's other fees that you need to pay.

Patience is a huge superpower. There is a lot of research which measures the correlation between the ability to have delayed gratification and success in life.

Banks allow students to have an overdraft without the need to pay interest, which develops the attitude of ‘ free money ‘ into students. Ato, this episode's podcast guest thinks that most students have the mindset of free money from student loans for living during their studies which carry on after they graduate due to lack of financial literacy education.

Most people have their finances out of control: they don’t know how much they spend, how much they should spend, save or invest, and don’t achieve anything with their money.

In this episode, Sam joins Anushka, a graduate from the University of Nottingham with a BEng in Chemical Engineering. We take a look at the challenges that students face when they graduate due to covid, such as the expectations versus reality, finding their first job, and what graduates can do to increase their chances of landing the job they want.

Sam is joined by Dean, an ex football player who was sadly forced to abandon his professional career, but couldn’t leave behind his expensive lifestyle until the day he realised he had lost everything. Dean shares how he realised he wanted to pursue entrepreneurship and the rides that came with it

What is financial literacy? Do you understand the psychology of money? Hear from some money experts on all things personal finance and the psychology behind it.

Want to become debt free? Here is a step by step guide to help you overcome debt and take control of your finances again!

Find the best options for Vegan Gifts under £5!! Make sure your vegan friend or loved one gets the best gift for any occasion!

The cost of your fee can vary based on the location, type and size of your property. Depending on your situation, your upfront fees can cost between $5,000 and $10,000. Besides that, you will need to factor in your credit score and other aspects of your personal finance profile. Remember, refinancing fees also vary between lenders as well as states.

There is a common misconception that being eco-friendly costs money. This is not necessarily true; there are plenty of ways to be eco-friendly for very little or even better, free!

Planning meals can save you a lot of money by helping you avoid ordering last minute takeaways. Organise an entire week’s worth of meals now with Nova’s Free Weekly Meal Planner!

If you're looking for the best investment platforms in the UK, look no further. From eToro to Nutmeg, this article will breakdown and guide you through the best UK investing platforms to use in 2021.

Looking to make a little extra cash, but don't have the time to commit to a side gig? Here's a list of ways to invest and earn a passive income

There is a regular price war between Aldi and Lidl, and often huge differences between the larger supermarket chains. In the grand scheme of things, both Lidl and Aldi are on par.

Covid-19 has put a lot of our travel goals on hold! Here's part 4 of the money saving tips series. Here is a list of the must know travel hacks to help you save money on your next adventure.

If you are looking for the best cheap insurance options for your van, this guide is for you. This guide was made to help you on your journey to find the best option for you.

Don't know the difference between a direct debit and standing order? This guide is to help you understand the difference between them as well as how much they cost and how to work out any issues related to them.

Considering a career in accountancy? This guide is here to help you explore accounting apprenticeships and understand your options.

Whether you are looking to make a large purchase or transfer a balance, a 0% credit card can come in handy. Here's a list of interest free credit cards and their providers to help you make an informed decision.

Fintech or financial technology is defined as any piece of technological innovation that aims to facilitate or moderate traditional financial methodologies and financial services. Fintech has gained a lot of popularity in recent times as people are beginning to see the potential of managing their finances on digital platforms

Want to know how to cancel TheGym subscription? You can do it through your bank or contacting them directly through the following methods.

Looking to cancel your Spotify Premium account or deleting your Spotify account all together? Don't worry it's a lot easier than you think, just follow the easy steps below.

Wondering what you should do when cancelling your car tax? Here are all the steps you need to know on how to cancel car tax online/offline.

Wondering what is gross income and how it works? Gross income is the money stated on your paycheque before any deduction and it can be calculated in different ways

Looking to save money? Here are 6 easy steps to make the most out of lockdown and get all your finances in order! Start making smart financial decisions in 2021.

Here's everything you need to know on council tax payment, how it works, what to do when moving house, discounts and exemptions

How to cancel my puregym subscription? Whether it’s freezing your account due to lockdown or cancelling your fixed term membership learn how to cancel PureGym Membership today.

Learn how to have a fun extra source of income by becoming a film and tv extra! Don't worry, there is no need to have any experience before starting.

Looking to cancel your Disney + subscription? Read on for instructions on how to cancel your Disney Plus subscription easily on whatever device you prefer.

Most young people struggle to manage their finances. Here are some of the most common financial mistakes people make during their 20s and how to avoid it.

What exactly is a travel credit card and how do they work? Stop using your normal credit card when travelling abroad and learn all the benefits a travel credit card can give you.

How can I get cheap car insurance? If you are under 25, I’m sure you are frustrated with the crazy insurance fees! Learn how to save money on your car today

How to increase your net worth and start building wealth in 2021? Here is a simple list of easy changes you can make and start implementing today!

Identity Theft: what is it and how can you protect yourself from it. Identity theft occurs when someone accesses enough of your personal information, without your permission, to commit identity fraud.

Bank transfers can be an easy way of sending money between bank accounts. How long do bank transfers take and what do you need to make one? Learn everything you need to know.

Can you cancel audible on desktop? Can I cancel Audible and then rejoin? Learn everything you need to know about canceling Audible Membership today!

Are you ready to start upcycling furniture but don't know where to begin? Learn how to get started and where to buy perfect second-hand pieces for your house

The perfect guide to start selling your clothes online and getting extra money! Learn how to start, where to sell your clothes and everything you need to know.

With little financial knowledge it can be easy to mess up your credit score. Luckily there are plenty of quick and easy ways to fix your credit score.

Expand your personal finance education today and start listening to the best financial podcasts! From Wake Up to Money, So Money Podcast and many more.

What should you look for in a student bank account? How do they work and why you should watch out for overdraft. Learn everything you need to know before moving away to uni!

What is compound Interest and how can you make it work for you? Compound interest refers to the principle that when you save money, as well as earning interest on the savings, you also earn interest on the interest itself.

Want to find an affordable vegan gift for someone special? Here are 7 ideas to help you find the perfect vegan gift without breaking the bank!

The second-hand car market is prevalent in the UK. Whether it’s a used Mercedes or a used Toyota, buying a used car can save you a lot of money.

Cancel your Virgin Media contract today! This easy guide will tell you everything you need to know and who you need to contact.

Do you pay more than you need to for broadband? Are you looking to reduce your broadband bills? You can track your bills by using the Cash Coach app.

Do you believe in new year resolutions? Maybe you prefer setting goals to achieve. Here's a list of 2021 goals to get you pondering, and most importantly, can be achieved whilst keeping your spending habits under control.

It's the holiday season and we are all looking to save money during the festivities. Here are eight Christmas money saving tips to keep you debt-free this season!

It's the season for gift giving, but how often are our gifts worthwhile? Here's an insight on the gift economy and how consumerism has affected it.

Looking for a last minute gift? This holiday season you can help your loved ones get start their financial journey, save money and build wealth with Nova.

A list of useful and practical Christmas gifts which will add value to your loved ones this season! Help them save money, meal plan and much more.

Christmas is great..for the most part. Have you ever wondered what the holiday season does to your finances though? Take a look as we give you an insight on the least talked about element of Christmas.

How to Improve Credit Score if it has been damaged. Simple ways to repair your credit and start boosting your credit score today.

Finished University and looking to move out but don't know how to start? Don't worry not everyone can move out immediately after graduating but we are here to help you plan for it .

Discover the similarities and the differences between Steve Jobs and Elon Musk! What makes them so iconic and how they achieved their success.

How has COVID-19 affected the UK Housing Market for younger generations? Here is our advice for first time buyers, learn how prices have changed and understand mortgages.

We all know Black Friday is known for its amazing deals and offers! But, how real are they? Here's an exposé on some 'amazing' offers which are not really amazing.

Find our top recommendations from affordable bikes! From Decathlon bikes, argos bikes to hybrid bikes and mountain bikes, we have your back !

Help to buy houses: Despite the challenging times there is still hope in becoming a first-time house owner! Learn about the housing schemes which can help out!

How to cancel your TV Licence, what to do when you change address and how to request a TV Licence refund. Here is the ultimate guide to help you understand your TV Licence.

Here are seven easy money saving tips to help you start budgeting as well as make the most of your earnings today! Start your journey towards financial freedom and conquer debt.

Understanding your personal finances doesn’t need to be scary or overwhelming! Read the top ten financial lessons that will help you save, budget and earn more money.

How to start upcycling? Learn now! Upcycling and repurposing items you already own is one of the best ways to help the planet and your wallet!

Seeking a new job? Read more about remote working ideas, government schemes and growing industries. Not all hope is lost when it comes to finding new job opportunities during COVID-19.

Looking to cancel your Sky TV service? Learn about everything you need to know about your cancellation period, cooling off period, how to contact sky and much more.

Looking to cancel your sky broadband service? Learn about everything you need to know about your cancellation period, cooling off period, how to contact sky and much more.

We have all heard about Apple and Steve Jobs before, but what exactly made this company and its products so successful and appealing for the world?

Are you looking to cancel your subscription to Playstation now? Here is a step by step guide on how to cancel it on your ps4, ps3 or online.

Income tax is the tax charged on most types of income such as wages and salaries. This exclude personal allowances. Once your earnings go above your personal allowance you need to pay tax on various sources.

Covid-19 brought many challenges; this included the creation of an unstable work environment for millennials. Learn more on what's changed and how to approach it

The wealth gap between millennials is bigger than any other generation. Learn about how the millennial wealth gap affects savings, debt management and overall wealth.

Did you know the cost of living in the UK is 6.17% lower than the US ? Here is a comparison of the different costs you’ll find across the different cities and areas in the U.K.

Wondering how to cancel your direct debit? Here is a complete guide on all the different steps you can follow either in person, by phone or through your bank app.

Acceptable Proof of address documentations can include, utility bills, drivers licence, council tax bills, etc. Learn how do these works and what to do if you're new to the UK.

Postal Orders: how do they work and how can you make use of them? Learn everything you need to know about this money sending method.

Marriage allowance: the tax benefit which allows you to gain up to £1,250 for you and your partner once you’ve said ‘ I do’. Here’s how it works:

Your guide on how to cancel your People's Postcode Lottery! Start reducing your subscriptions and saving money today.

To cancel your EE contract: Call 150 from your EE mobile or call 07953 966 250. For more information on how to cancel your EE Contract, exit fees and your phone number, read on.

A BACS payment is a bank to bank transfer between banks in the UK. It takes typically around three business days to arrive. A BACS payment can also be a Direct Debit.

CHAPS stands for Clearing House Automated Payment System. It is a bank to bank transfer system that operates via the SWIFT network.

Looking to cancel an o2 contract? Here are the steps and options you can follow to make it easier for you to end your contract.

How to cancel / stop your NOW TV subscription. Here is a step by step set of instructions on how to cancel your broadband subscription.

Not having debt should give you a better credit score, right? This is the story on how I realised debt is actually good for your credit score, especially in the US.

We all like to think our point of view is correct. This is all experience Confirmation Bias, and it can which impacts our saving and spending habits greatly. More than you think.

Saving money need not be painful. It is honestly easier than you think! Here is a guide to help you get started on your frugal journey.

Mindsets can often differentiate people, especially money mindsets. The rich and the poor are said to have drastically different mindsets. Where do you fall? Find out here.

Send a Paypal payment to the wrong person or simply need to cancel a payment? Don't panic, we are here to walk you through the steps to cancel a pay pal payment

Despite being centibillionaires, people like Warren Buffet and Mark Zuckerberg live a modest financial lifestyle and practice frugal habits. Here is everything you need to know on why they decide to live this way:

We all like to save money. But Frugality, like anything else, in excess can be poisonous. It can cause you to loose more money than you save!

Your money mindset is incredibly important, this is why whether you are a pessimist or optimist it is important to understand the effect it has on your finances.

Panic buying is a natural reaction to stress which causes us to buy in bulks more than we need. , understand this phenomenon and why it can hurt your money saving habits dramatically.

We have all met a materialistic person, we might have even been one ourselves. Understanding the root causes of materialism can help you combat its effects on your spending.

Money can buy you happiness vs Happiness cannot be bought. Learn how money, happiness and time are all connected and influence your everyday life.

A Present Bias mindset can help you live like there’s no tomorrow, but will hurt your savings.

Gift Giving has been around for a very long time, why exactly do we do it? And how can we show others affection during important dates without splurging a lot of money.

Did your phone or laptop suddenly slow down? Learn more about Planned Obsolescence and why devices nowadays are not meant lasts as much as they used to.

Saving money or having a good meal? Well, you don’t need to compromise. Here is the perfect meal plan to help you eat well for less with £5 easy recipes

Have trouble spending too much? Here are 4 Brain chemicals which influence your purchases, spending habits and prevent you from saving effectively

6 Psychological pricing tactics you should be aware of as they can make you spend more without even realising. Find out what types of pricing tricks you're falling for.

Most people are not saving money as much as they could or as they should. Here are some money facts on why this happens and tips to help you avoid this mistake

Social media influences our everyday lives. That’s why we should consider how it affects us consumers, our purchasing behaviour as well as our purchase decision making.

Spenders and savers have different saving habits. Whether you are one or the other it is important to learn what this means and obtain the right financial advice for you.

Ads on social media and all across the internet are effective at targeting our brains. Without even realising targeted ads can affect our spending habits and make us buy more than we usually would

Women tend to have a bigger reputation when it comes to spending money. However, recent studies have shown that as a matter of fact, these assumptions may not be as accurate as you'd think.

Mental health and financial stress feed off each other. If you are worried about money remember you are not alone. We want to help you stop the cycle now and see how you can get help.

Many people ask me what's the difference between Nova and MoneyBox / Plum / Chip / other robo-saving app? Here is my answer.

Barnum Effect: The cognitive bias which makes us believe that ads, or information are specially made for us. Learn about tactics marketers use to make you feel special.

Cognitive Biases can affect your spending habits! Learn about money biases like Availability Heuristic. Understand why it’s so difficult to save and how to combat it.

The Dunning-Kruger Effect, what is it and why does it influence how you spend your money and your ability to save even more than you’d expect.