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Finance is a multi-faceted thing, it is always good to take a look at your finances on an annual basis and consider whether you have a currently-competitive rate on your credit card, mortgage or loan. Also consider whether your money may make more return if invested differently.

Browsing finance products on the internet is a very good way to do this and it allows you to make quick comparisons between particular financial elements.

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Many people are astonished when they look at the current interest rate they are paying on their mortgage and realise that they can save hundreds of pounds a month by switching to a different provider.

Similarly, a credit card APR that may have been competitive twelve months ago could be far too expensive today.

It may also be important to consider investing your money in a better way in different saving accounts, unit trusts, bonds and shares.

Whatever area of finance you are researching, consider whether you are making informed decisions and decide whether it would be more advisable to see an IFA who will be able to dispense qualified advice.

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