An increasing number of motorists are looking to buy cheap-to-run cars, new research shows.

In a study carried out by AA Personal Loans, the percentage of those wanting to get a compact vehicle that will not put too much pressure on their finances to run has surged by some 43 per cent. The company claims that such desires come as fuel prices have surpassed the 1 pound per litre mark. However, with such costs predicted to rise even further, more people could find that petrol expenses will strain other areas of spending related to their automobile, for instance getting repairs done or paying back the loan taken to fund the purchase of the vehicle in the first place.

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The rate of balance transfers for the first six months on the Gold American Express AIR MILES credit card is 3.99%, while the rate on purchases and funds advances is 18.50%. If you transfer balances from other credit cards to the Gold American Express AIR MILES credit card, avoid missing payments. If you miss a single payment after the first balance was transferred and posted, these special rates will be revoked and a higher rate instituted.

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A bad credit report can significantly impact your life. However, before we discuss the effects of bad credit and it can influence your lifestyle, it is essential to first understand what a credit report entails.

A credit report is a detailed compilation of your credit history and is typically prepared by one of three primary credit-reporting agencies - Equifax, Experian and Trans Union. The details of the report are generated through creditors who have granted you loans. These would include landlords, hospitals, banks and other financial institutions.

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With the start of this month seeing the introduction of the 57 registration plate, those who have bought either a new or used car may find that increasing proportions of their finances are going towards insurance costs, new figures show.

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When facing a financial emergency there are at least six options that you should avoid.

1. Don’t borrow from a finance company
2. Don’t use a tax refund anticipation loan
3. Don’t take out a payday loan
4. Don’t visit a pawnshop
5. Don’t refinance your car
6. Don’t use a debt consolidation or debt negotiation company

Don’t borrow from a finance company.

These companies make secured consolidation loans that require you to pledge real or personal property as collateral at high rates of interest, often as high as 15%. If the finance company makes an unsecured consolidation loan to you it may carry an interest rate as high as 25%. If you must take out a consolidation loan you are far better off borrowing from a bank.

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