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5 Signs It is Time to Increase Your Budget

05th November 2025

Most budgeting advice focuses on cutting back: save money here, track every pound there, skip the coffee. But what about the other side of the story? If you worked hard to build an emergency fund, paid off your debt and set up a solid savings account, there comes a point when being too frugal can hold you back.

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WARNING: Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk

How much would you like to borrow:

£200
£750
How long would you like it for?
3 months
6 months

Your monthly repayments are:

1
£
2
£
3
£
4
£
5
£
6
£
Total amount to be repaid:
£  
Annual percentage rate:
  % APR

Representative Example: £200 loan for 6 months at a fixed interest rate of 290% pa. Total amount payable is £359.97 in monthly instalments of £73.06, £74.38, £62.99, £59.55, £49.22 and £40.77. This is based on the amount of credit plus interest, no other fees apply. Representative 1264.8% APR


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