July 2025 – What We Covered This Month

July was packed with quick, practical advice on everything from saving on a CD to getting the most out of a credit‑card bonus. Below is a whirlwind look at the topics we tackled, so you can grab the bits that matter most for your money.

Saving, Investing and Credit‑Card Hacks

We started the month with a simple calculator‑style post: How much interest can a £5,000 CD earn in 2025? The answer showed that even modest rates can add up if you lock in the right term and avoid early‑withdrawal penalties. Next up, the Chase 24‑month rule explained why you need to wait two years between big sign‑up bonuses and gave a step‑by‑step game plan for 2025 offers.

If double‑digit returns sound too good to be true, our Where to get 12% interest guide broke down real high‑yield options, the risks involved, and how to balance those with safer assets. All of this ties back to the core idea: know the product, watch the fees, and keep an eye on the timing.

Mortgage, Equity Release and Insurance Insights

Home‑owners got a lot of attention. We showed the numbers behind a £100k mortgage over 15 years, highlighting monthly payments, total interest, and shortcuts to shave a few hundred pounds off the total cost. For those who already own a home, two posts explored borrowing more without a full remortgage and the cheapest ways to pull equity out—whether via a home‑equity loan, HELOC, or other methods.

Equity release sparked two deep dives. First, we asked Is equity release guaranteed? and laid out the fine print people often miss. Then we detailed how much you actually repay on a lifetime mortgage, using 2025 rates to give realistic scenarios.

Insurance fans weren’t left out. We broke down the 80/20 rule that tells you how much the insurer pays versus what you pay out of pocket, and we ranked the most trusted insurance companies for 2025 based on customer loyalty and claim satisfaction. On the flip side, we also listed the most expensive homeowners insurance providers and gave tips to avoid overpaying.

Debt, Student Loans and Credit‑Card Management

Student loan worries got a reality check with a post on what really happens if you ignore your debt. The piece walked through the long‑term credit hit, wage garnishment, and how it can affect future loans. For those considering a fresh start, we examined whether debt consolidation hurts your credit score and offered a balanced view of when it helps versus when it can backfire.

Credit‑card owners wondered about the right number of cards. Our guide on having seven credit cards weighed the pros—like higher total credit limits and better rewards—against the cons, such as management hassle and potential score drops if you miss payments. The takeaway? Keep utilization low, pay on time, and close cards you never use.

All these posts share a common thread: give you the facts you need now, explain the “why” behind each tip, and help you avoid the usual pitfalls. Bookmark the ones that hit your current money goals, and come back whenever you need a quick refresher.