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You hate the bank manager and walls keep eating your cards. It’s time for a happier relationship with your finances. Use your money wisely; using it foolishly is a one-way ticket to debt and misery. Understand the pros and cons; the perks and pitfalls then flash your cash with a knowing grin that you’re a budgetholic and in control. You need never be afraid of a wall again!
Some useful info:
NI – National Insurance
A scheme founded in 1911 in Britain, where employers and employees alike pay a compulsory state tax that contributes to funding sickness & unemployment benefit, the National Health Service and state pensions for the elderly.
VAT – Value Added Tax
This tax is compulsory in most of Europe and was introduced in Britain in 1971. Taxes, calculated as percentages, are charged on goods or services (like petrol, tobacco products, alcohol etc). VAT can be charged on ingredients or at different stages of manufacture until the sale of the product. Certain products are exempt from VAT (like books).
HP – Hire Purchase
This is when you get credit so that you can buy something that you can’t afford (like a car), but unlike with a loan, with HP you pay a deposit upfront and pay off the remaining cost plus interest by regular monthly payments. | 
