What type of spender are you?
No two people will have the same approach to managing their finances, and add redundancy, overspending, divorce or illness into the mix, this can often lead to money problems, including debt.
Whether you’re the kind of spender who meticulously plans their spending down to the last penny, or more of a spend now, worry about it later kind of person, we’re not here to tell you that the way you manage your spending is right or wrong. We’re here to help you control that spending and budget effectively.
Changing your bank account
When looking to improve the way you budget and manage your finances, you may need to change your bank account.
icount offers an account that could assist you with your money management and teach you the art of budgeting, skills which could put you in a better position to manage your finances and avoid getting into difficulty.
Whether your debt level is low or high, or whether you are an undischarged bankrupt, icount offers the solution to your problems.
Control your spending
The icount card is a prepaid facility, in that you can only spend what you load onto the card – there’s no risk of becoming overdrawn and incurring high overdraft fees.
You can also login to your Members Area and view your transactions. Being able to keep tabs on your spending is the first step towards budgeting and identifying where any problem spending occurs.
This information will allow you to take a step back and if necessary, make those vital changes to put you back on the road of financial capability.
More information on how to budget your money here
Many providers give special discounts for paying by Direct Debit so why lose out, we offer a Direct Debit that is twice as good as anyone else!
You can even pay for mobile phone contracts or rent direct from your account with us whether it be by one off card payment, standing order or Direct Debit.
If you need help paying bills
Many providers give special discounts for paying by Direct Debit, so why lose out? Recurring direct debit payments with many providers such as gas and electricity, or mobile phone contracts offer a discount for paying by direct debit. This also takes away the need to remember to pay each month as the money is requested automatically.
You can even pay mobile phone contracts or rent direct from your account with us, whether it be by one off card payment, standing order or Direct Debit. By doing this, you’re demonstrating good and regular payment habits, which can go some way to improving your credit score – ideal if you’re looking to apply for any lines of credit in the future.
Improve credit profile and credit score
Yes! An alternative to a high APR credit card, we have a facility that could improve your credit rating (0%APR Representative) via Creditbuilder™. More information on your Creditbuilder facility is available here.
Yes! An alternative to a high APR credit card, we have a facility that could improve your credit rating (0%APR Representative) via Creditbuilder™