3 Ways to Invest in your Financial Future


There comes a time when all of us start to think about the future, and a big part of that involves our finances. While most of us will be enrolled in a company pension scheme of some sort, it’s always a good idea to consider ways to generate an additional income on top of this fund to help with retirement. There are a number of ways you can do this, and some of which take more dedication than others. If you’re keen to start planning towards a strong financial future, here are three different methods to help put your mind at rest.

With property

Property investment is one of the most popular ways to invest. Unlike stocks and shares, buy to let is often considered more effective due to offering multiple types of returns through both rental income and capital appreciation. Those who invest in a buy to let property can build an attractive pension fund to help them in the future, thanks to the extra income they generate. Then, when they’re ready to sell the property later in life, they can benefit from having a large sum of money added to their retirement fund.

If you do think property investment is the best solution for you, it’s important to take all the right steps. This includes researching the best locations, looking for properties with the highest yields, and being as knowledgable as possible about the property market. Seek out a trusted property company to work with to make sure you’re in good hands. RW Invest, based in Liverpool and London, is one of the UK’s most popular property investment companies, offering a range of lucrative opportunities. 

With micro-investing

So you want to invest, but you’re not quite at the stage in your life where significant commitments like property are an option? Micro-investing is a trend that’s been growing in popularity over recent years and involves using a smartphone app to make investing easier. Examples of this include the Moneybox app, in which users are able to ‘invest spare change’ every time they make a purchase. For instance, if you bought a coffee which was priced at £2.50, the app would round up your purchase to the nearest pound and then save the extra. This extra money you accumulate is then invested into tracker funds, determined by the level of risk the user chooses to work with.  While this method may take a little longer to make a substantial amount, it’s a good way to get started with investing and generate some extra cash to help you in the future. 

With an ISA

An ISA is a savings account that allows users to generate interest on the money they save. The government adds tax-free interest onto the funds added to an ISA, which is why they make a good option for anyone thinking about ways to save for their financial future. One of the most popular ISA’s for this purpose is a Lifetime ISA, in which you can save away a maximum of £4,000 a year until you’re fifty, and receive interest returns of up to £1,000 a year. 

The 8 Best Auto Loan Refinance Banks of 2019

auto loan

Refinancing an auto loan means to find a new loan at a lower rate of interest. The main purpose of refinancing is always to save money and get another loan at an interest rate you can afford. Maybe you got a bad deal the first time you bought your vehicle and you had to stick with it for a few months or even years. You have made an excellent decision to refinance your auto loan and I will share a few auto loan refinance banks specializing in dealing with situations like yours.

Here are the best auto loan refinance banks of 2019. Refinance your vehicle to make a truckload of savings in the upcoming years.


USAA offers you a lower interest rate or increases the length of the loan. Besides, there is no rush. Once your refinancing gets approved, you get 60 days to get things in order. And you don’t have to pay a penny in these 60 days. You also get to take your car overseas. There won’t be any change in your interest rate in doing so.

2. CarFinance

CarFinance has been helping auto owners get a better deal since the last decade. On applying online, your loan will get approved or disapproved within a mere 30 minutes. On disapproval, you get a free consultation on how to get your auto loan sanctioned.

During the approval process, experts at CarFinance check your credit history and our loan paying capacity. The maximum amount of your loan approval is based on these two factors. Moreover, CarFinance is also a good auto loan refinance company for entrepreneurs and self-employed people.

3. AutoPay

Last year, AutoPay claims to have helped auto owners by lowering the interest rates by 50 percent and saving $95 per month. These figures are astonishing. The yearly savings come to $1,144/yr. Moreover, the entire auto refinances application process is streamlined. That means, once you begin filling up the application form you will end up in receiving an email from AutoPay either approving or disapproving your request.

4. LendingClub

LendingClub is another loan refinance bank that saves your time and money in paying off the auto debt. With LendingClub there is no approval process. They have pre-made offers that you get to check online. Select whichever offer suitable for you can you are good to go. 

5. Bank of America

With Bank of America, it takes just 60 seconds to get approved and know your new lowered interest rate. Moreover, there is no origination fee. They will approve your application even if the payoff balance on your current loan is more than your vehicles current value. All you have to do is pay the difference to get the auto loan approved.


Before applying for an auto loan refinance, make sure you have good credit. You are simply not going to get a better interest rate with a bad credit history. In that case, you should take some time to look for ways to better your credit score.