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Here's the deal: You may read the information on the site for free and ask questions. As and when I have the time I'll answer the questions on the website and add new articles. Please do not consider it to be advice - the only free investment advice is to apply your own mind. If you are worried about your investments, I am willing to have a look and improve it. If you are destitute I will try to help free of charge (but you join at the back of the queue). If you are not destitute then email me and we can agree a lower fee (percentage terms, repeating monthly, is fine) than you are currently charged. I have limited time available, and will prioritise the work accordingly, so please be patient. Email me at detailing the situation for which you'd like advice. Rob Baker

Financial Products in the UK

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Whether you are a homeowner with a list of financial commitments as long as your arm, or a student just about to take out a first loan, managing everyday expenses is impossible without using some kind of financial help.

Credit cards may be the first type of borrowing you experience and despite their poor reputation, they can be a useful addition to an individual`s finances. Used in the right way, it is possible to save money or even earn a little bit extra, but knowing how to use them in the right way without being tempted to go on a spending splurge is the key. Credit cards should only every be used for monthly costs that you plan to pay off immediately, and never for long term borrowing. A better way to finance a larger expense, such as the purchase of a car perhaps, is by taking out a loan.

A mortgage is a type of secured loan and there are a huge number of variations to suit individual circumstances. There are companies that offer a home loan without the need for a huge deposit, useful for first time buyers, whereas other lenders help those with a large savings balance save on interest by offsetting their money against what they have borrowed.

However, loans and credit cards are not the only kind of financial products which come in useful. Insurance is not a favourite subject for most people, but if the worst happens, everyone is glad that they have it. Some kinds of insurance are compulsory - such as car insurance - but there`s also a huge range of other types of cover, including life and health insurance, as well as travel, pet and medical.

If you are lucky enough to have some money to spare, it can be difficult to know the right thing to do with it. Getting the help of a financial advisor can sometimes be useful to determine your attitude to risk as well as decide the best vehicle for your cash. There are a huge range of options which range from instant access savings accounts, to ISAs, to investments where the potential for profit is much higher, but carries an increased risk of losing your money.

Financial products are part of everyday life, but when it comes to picking a new provider it can feel a little bit daunting with so many different offers in the market. One way to help cut down on the amount of research is to use a comparison website > to help whittle down the choice to find the best options for you.

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