Borrowing Basics

New to loans or just want a refresher? Our Borrowing Basics posts break down the essentials in plain English, helping you understand how loans work and what to expect before you apply.

Three smooth black zen stones stacked on the left and three stacked British one-pound coins on the right, placed on a neutral beige surface, symbolising balance between mindfulness and money
Money Management

The Zen of Money

A Mindset Shift That Changes Everything Changing how you think about money might not require spreadsheets or sudden frugality. It may begin with how you

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Struggling to get approved for a loan?

Don’t Give Up Just Yet....

Ian Sims’ newly released second book in a three-part series explains what lenders really look for, why applications get declined, and what can improve your chances of approval. It’s a practical guide for anyone navigating bad credit, missed payments, or recent declines.

funded - bad credit loans in the UK book by Iam Sims