Discuss, learn and request advice on how to obtain, budget, protect, save and invest your pounds and pence. 

*****

####**[Please read our rules before posting](/r/ukpersonalfinance/about/rules)**

You can find out [how to get the most out of our subreddit](https://www.reddit.com/r/UKPersonalFinance/wiki/using_rukpersonalfinance)

*****

##First time poster?

Please search our [wiki](https://ukpersonal.finance/) first, it answers many common questions. Also, have you seen the [flowchart](https://ukpersonal.finance/flowchart/)?


****

##Reputation System
We have a **[reputation system](/r/UKPersonalFinance/wiki/reputation)**. If you post and a response helps you, please reply to their comment with

> **!thanks**

you will see a £x flair by regular commenters' names - this is the number of times they've been thanked for their comments.

**Only the thread poster and mods can use the !thanks command**

*****

##Discord

[Official UKPF Discord Server](https://discord.gg/kaetMg8) - Discuss your pounds and pence in real-time.

*****

##DEBT PROBLEMS?

Speak to [StepChange](https://www.stepchange.org/), a debt-management charity, or [Citizen's Advice](https://www.citizensadvice.org.uk/debt-and-money/help-with-debt/)

##Useful Resources

**[Wiki](https://ukpersonal.finance)**

[UKPersonalFinance Flowchart](https://ukpersonal.finance/flowchart/)

Overwhelmed? Start with our **[Recommended Resources](https://ukpersonal.finance/recommended-resources/)**

[Exchange Rate and Market Timing Questions (and why they're banned)](https://ukpersonal.finance/market-timing/)

*****

##Important Information

This subreddit is not a source of regulated financial advice.

Treat any information, recommendations or "advice" that you read here with caution and always do your own research.

For financial advice, consider seeking out a professional. Look for Chartered and/or Certified Financial Planners:

https://ukpersonal.finance/financial-advice/

*****

[](//flowchart.ukpersonal.finance)

<div class="md"><p>Discuss, learn and request advice on how to obtain, budget, protect, save and invest your pounds and pence. </p>

<hr/>

<h4><strong><a href="/r/ukpersonalfinance/about/rules">Please read our rules before posting</a></strong></h4>

<p>You can find out <a href="https://www.reddit.com/r/UKPersonalFinance/wiki/using_rukpersonalfinance">how to get the most out of our subreddit</a></p>

<hr/>

<h2>First time poster?</h2>

<p>Please search our <a href="https://ukpersonal.finance/">wiki</a> first, it answers many common questions. Also, have you seen the <a href="https://ukpersonal.finance/flowchart/">flowchart</a>?</p>

<hr/>

<h2>Reputation System</h2>

<p>We have a <strong><a href="/r/UKPersonalFinance/wiki/reputation">reputation system</a></strong>. If you post and a response helps you, please reply to their comment with</p>

<blockquote>
<p><strong>!thanks</strong></p>
</blockquote>

<p>you will see a £x flair by regular commenters&#39; names - this is the number of times they&#39;ve been thanked for their comments.</p>

<p><strong>Only the thread poster and mods can use the !thanks command</strong></p>

<hr/>

<h2>Discord</h2>

<p><a href="https://discord.gg/kaetMg8">Official UKPF Discord Server</a> - Discuss your pounds and pence in real-time.</p>

<hr/>

<h2>DEBT PROBLEMS?</h2>

<p>Speak to <a href="https://www.stepchange.org/">StepChange</a>, a debt-management charity, or <a href="https://www.citizensadvice.org.uk/debt-and-money/help-with-debt/">Citizen&#39;s Advice</a></p>

<h2>Useful Resources</h2>

<p><strong><a href="https://ukpersonal.finance">Wiki</a></strong></p>

<p><a href="https://ukpersonal.finance/flowchart/">UKPersonalFinance Flowchart</a></p>

<p>Overwhelmed? Start with our <strong><a href="https://ukpersonal.finance/recommended-resources/">Recommended Resources</a></strong></p>

<p><a href="https://ukpersonal.finance/market-timing/">Exchange Rate and Market Timing Questions (and why they&#39;re banned)</a></p>

<hr/>

<h2>Important Information</h2>

<p>This subreddit is not a source of regulated financial advice.</p>

<p>Treat any information, recommendations or &quot;advice&quot; that you read here with caution and always do your own research.</p>

<p>For financial advice, consider seeking out a professional. Look for Chartered and/or Certified Financial Planners:</p>

<p><a href="https://ukpersonal.finance/financial-advice/">https://ukpersonal.finance/financial-advice/</a></p>

<hr/>

<p><a href="//flowchart.ukpersonal.finance"></a></p>
</div>

t5_2wkka

Discuss, learn and request help on how to obtain, budget, protect, save and invest your money in the UK

<div class="md"><p>Discuss, learn and request help on how to obtain, budget, protect, save and invest your money in the UK</p>
</div>

##**[Read our rules](/r/UKPersonalFinance/about/rules)** before posting. Any rule-breaking posts will be removed and posters may be banned.

##Reputation system

We have a **[reputation system](/r/UKPersonalFinance/wiki/reputation)**. Please reply to useful comments with 

> !thanks 

You will see a £x number by commenter's names - this is the number of times they've been thanked by OP for their comments.

##Wiki

**Read our [Wiki](/r/ukpersonalfinance/wiki/)** for answer to frequently asked questions

##Check out the [UKPF flowchart](https://ukpersonal.finance/flowchart/)

##Important Info

**This subreddit is not a source of regulated financial advice**, posters may not be qualified in any way. Treat any information, recommendations or "advice" that you read here with caution and do your own research.

<div class="md"><h2><strong><a href="/r/UKPersonalFinance/about/rules">Read our rules</a></strong> before posting. Any rule-breaking posts will be removed and posters may be banned.</h2>

<h2>Reputation system</h2>

<p>We have a <strong><a href="/r/UKPersonalFinance/wiki/reputation">reputation system</a></strong>. Please reply to useful comments with </p>

<blockquote>
<p>!thanks </p>
</blockquote>

<p>You will see a £x number by commenter&#39;s names - this is the number of times they&#39;ve been thanked by OP for their comments.</p>

<h2>Wiki</h2>

<p><strong>Read our <a href="/r/ukpersonalfinance/wiki/">Wiki</a></strong> for answer to frequently asked questions</p>

<h2>Check out the <a href="https://ukpersonal.finance/flowchart/">UKPF flowchart</a></h2>

<h2>Important Info</h2>

<p><strong>This subreddit is not a source of regulated financial advice</strong>, posters may not be qualified in any way. Treat any information, recommendations or &quot;advice&quot; that you read here with caution and do your own research.</p>
</div>

0% APR 48 months payments is that dangerous?