NEW YEAR IN THE CAPITAL DISTRIBUTED WITH


23RD JANUARY 2025 Build your path to financial fitness


It’s easy to get lost in the overwhelming choices that surround your financial health, so here are a few core and manageable basics to get you on the front foot in 2025


Financial decisions can be stressful but by taking steps early you can avoid stress and uncertainty, putting you in control. Te benefits of proactive financial management are immense regardless of whether you’re looking to borrow, save, invest, retire, or donate, for example. Empower yourself to make mean-


ingful changes in just a few months. With the right tools and resources, financial wellness is within reach. Apps like Zable give customers tools to get started. Don’t wait for a reason; use the momentum of the new year as your springboard.


1. Credit file monitoring Zable provides free credit file checking so you can see what lenders see when they assess your creditwor- thiness: from the overall score, all the way through to each account on file. With tips and insights based on this information, you can plan ahead for important milestones a mortgage.


like


2. Budgeting Zable also


provides free getting spend


tracking, which combines transac- tions across all your bank accounts to give you a full view of where you are spending your money, what patterns are appearing and what is left at the end of each month. Use this to plan how you will spend versus save.


Zable provides free credit file checking so you can see what lenders see when they assess your creditworthiness: from the overall score, to each account on file


3. Managing your debts Zable offers loans and credit cards, and customers can check their prices and


eligibility without affecting


their credit scores, so they know exactly where they stand and can compare prices with their existing credit providers.


4. Lowering your bills Zable offers free switching services so that you can rapidly see if you can replace any of your phone, energy, broadband, insurance or other subscriptions to cheaper contracts.


5. Reporting your rent And if you’re renting, you can report those payments to the credit bureaus through Zable to demon- strate creditworthiness before you get a mortgage.


Visit: zable.co.uk


Instagram: instagram.com/zableuk Zable is a trading name of Lendable Ltd, company number 08828186,


authorised and regulated by the Financial Conduct Authority (FCA) with reference 720261.


Finance & Legal 13 Join Zable in 2025 to simplify your


budgeting, monitor your credit file and


manage your monthly bills. Empower your financial future today


INTO YOUR WILL change WRITE


BY INCLUDING A GIFT TO SHELTER


Help us fight for a world where everyone has a safe, secure home.


Write your will for FREE – scan the QR code


OR search: Shelter will Call: 0344 515 1617 or email: legacies@shelter.org.uk


To get your free will-writing pack, return this coupon in an envelope addressed to: Freepost Plus, RTHE-HSKC-XZLK, Shelter, Legacy Manager, 88 Old Street, London EC1V 9HU. You don’t need a stamp.


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