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Nic Gardner

Nic is a freelance writer with a focus on personal finance, technology, budget travel, and work-life balance.

Recent Articles

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Personal Finance

Why low interest rates puts savings in cash at risk

| Nic Gardner

Cash is a low-risk way to save, but with low interest rates and inflation, you might end up with less…

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Personal Finance

5 safety tips for driving in bright sunlight to avoid a £1k fine

| Nic Gardner

Driving in bright sunlight can be dangerous. To save you a fine and points on your licence (at best!), here's…

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Personal Finance

What will banking accounts look like in the future?

| Nic Gardner

Today’s banking accounts were the stuff of science fiction twenty years ago. What will banking accounts will look like in…

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Family with small yellow dog embracing at hill and looking at sunset
Personal Finance

Where can I live with a British passport after Brexit?

| Nic Gardner

If you still dream of living overseas after Brexit, we’ll take a look at the rules, find out where you…

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Investing

What goes up when the stock market crashes?

| Nic Gardner

For investors, stock market crashes can be terrifying. But not everything drops in a crash. Nic Gardner looks at what…

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Sixed group of millennial aged friends discuss investing
Personal Finance

Can I buy shares in Wise?

| Nic Gardner

If you're in the UK or EU and interested in investing, read on to find out what Wise is, whether…

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Man sat at laptop computer using credit card to pay online using mobile phone
Personal Finance

Are banking apps safe?

| Nic Gardner

No longer do we have to go into the bank, queue up and wait to talk to a teller. With…

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A stack of credit cards piled on top of each other
Personal Finance

What is an RFID chip, and what does it do?

| Nic Gardner

You might not know what an RFID chip is, but you almost certainly own at least one! Are they safe?…

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Personal Finance

How to get free office software if you run a small business

| Nic Gardner

With so many popular software packages changing to a subscription model, small businesses can save time and money with free…

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University graduate student diploma piggy bank
Personal Finance

How to find free online business courses

| Nic Gardner

Free online business courses can help you advance your career, progress to further studies or start your own business! We…

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Man sat at laptop computer using credit card to pay online using mobile phone
Personal Finance

5 ways to protect yourself from financial crime in a cashless era

| Nic Gardner

According to the NFIB Fraud and Cyber Crime Dashboard, reports of online shopping fraud in the UK jumped from 5,900…

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Personal Finance

6 investing apps to help you manage your portfolio

| Nic Gardner

Whatever your investing goals, whether you're a new investor or an expert, Nicole Gardner looks at 6 investing apps to…

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Personal Finance

The best money-making crafts to sell

| Nic Gardner

Picking the best money-making crafts to sell online is an art in itself. Nicole Gardner finds out what's involved -…

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Personal Finance

7 things you need to know before choosing an investing app

| Nic Gardner

Whether you're an experienced investor or just starting out, Nicole Gardner looks at 7 things you need to know before…

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Personal Finance

Will my travel insurance cover me after lockdown?

| Nic Gardner

If you're planning to go travelling, Nicole Gardner finds out whether your travel insurance will cover you after lockdown.

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Personal Finance

How to choose the best contactless payment method for me

| Nic Gardner

There are many so many contactless payment systems! Nicole Gardner finds out how to choose the best contactless payment method…

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Personal Finance

What is Samsung Pay? Your ultimate guide explained

| Nic Gardner

Samsung Pay: your ultimate guide explained. Nicole Gardner explains what you need to know. So, what are you waiting for?…

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Personal Finance

What is Google Pay? The ultimate guide

| Nic Gardner

Google Pay: your ultimate guide. Nicole Gardner explains everything you need to know to get started. What are you waiting…

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Personal Finance

What is Apple Pay? A comprehensive guide

| Nic Gardner

You’ve probably heard of it, but what is Apple Pay? Nicole Gardner gives a comprehensive guide to Apple Pay and…

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Personal Finance

Is Germany in recession?

| Nic Gardner

Is Germany in recession? Nicole Gardner finds out what a recession is, whether Germany is in recession, and what it…

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Personal Finance

What is a recession?

| Nic Gardner

The IMF says that all economies are in recession. It sounds bad, but what is a recession and what can…

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Personal Finance

4 digital outlets to find gig or temporary work online

| Nic Gardner

There are hundreds of digital outlets offering to help you find a gig or temporary work online. Nicole Gardner finds…

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Personal Finance

Where can we travel after lockdown ends?

| Nic Gardner

53% of people plan to take a trip as soon as the lockdown is over, but where can we actually…

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Personal Finance

How to talk about money

| Nic Gardner

Many UK adults don’t know how to talk about money. If you're one of them, Nicole Gardner has some ideas.

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Personal Finance

What’s new with Budgeting Loans during the coronavirus?

| Nic Gardner

What are budgeting loans, who's eligible, and what's changing with them during the coronavirus? Nicole Gardner explains what you need…

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Personal Finance

How to spot a “make money online” scam

| Nic Gardner

How to spot “make money online” scams - and how to avoid them. Nicole Gardner explains how to avoid losing…

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Personal Finance

The pros and cons of contactless payment

| Nic Gardner

What are the pros and cons of contactless payments in the time of Covid-19? Are they right for you? Nicole…

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Personal Finance

What’s changing about bus travel in London during Covid-19?

| Nic Gardner

Bus travel in London is changing during Covid-19. If you have to travel by bus, Nicole Gardner explains what these…

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Personal Finance

Are Post Offices still open? Opening times during coronavirus lockdown

| Nic Gardner

Most Post Offices are still open, but you probably don't need to visit them. Nicole Gardner finds out how to…

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Personal Finance

Make money online with these 13 UK companies hiring remote workers

| Nic Gardner

If you want to make money online, Nicole Gardner has rounded up 13 UK-based companies hiring remote workers.

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Personal Finance

Budgeting tips for working from home

| Nic Gardner

For those of you working from home, these budgeting tips from Nicole Gardner will help to minimise your expenses and…

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Personal Finance

Key workers and vulnerable groups: are you making the most of the support available?

| Nic Gardner

There's heaps of support for key workers and vulnerable groups. Are you making the most of the support available? Nicole…

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Personal Finance

Loss of income due to coronavirus – now what?

| Nic Gardner

Millions of people around the world are dealing with a loss of income due to coronavirus. Get help and stay…

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Personal Finance

How to get money fast

| Nic Gardner

Nicole Gardner gives some money-making tips to make the most of the lockdown.

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Personal Finance

Wanderlust? 4 ways to stay sane without travel during Covid-19

| Nic Gardner

Nicole Gardner explains four ways to stay sane, have fun, and make the most of your time at home during…

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Personal Finance

Creating a food budget for your family

| Nic Gardner

Do you know how to create a food budget for your family? Here, Nicole Gardner explains how to save food…

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Personal Finance

How to check if you’re a victim of identity theft

| Nic Gardner

Do you know how to check if you are affected by identity theft? Here, Nicole Gardner offers information and advice.

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