Thursday, 14 February 2019

Your Money Matters...with Ripon Ray (12/02/2019)



This week, on 12 February 2019, I talk about the cost of being a student. It's a well known fact that a life of a student involves getting into debt. You have to get a loan from the Student Loans Company and/or an overdraft or a loan from a bank. Maybe, your parents are the bank by default. If you plan ahead you may findways you can minimise the debt you accumulate. It does involve preparation, preparation and lots of preparation. If you plan ahead you maybe able to sail through with comfort. Getting a part time job maybe inevitable. Why not try at your university or places near where you study to ease the financial pressure and save time?

On this weekly show you can find out potential grants, scholarship and bursaries available for your course and how can get hold of these benefits. For example you maybe able to get grants by searching on Turn2us.org.uk or individual employers may have funds. Budgeting money would also take you a long way. How do you budget? If you start budgeting now you may already have started to develop the skills to become an accountant or a banker. There is more. You just have to listen (and watch) my show and find out. If you want to find out more about my work, check here: www.communitymoneymatters.com

Monday, 4 February 2019

Your Money Matters...with Ripon Ray - Hire Purchase Agreements

This time I talk about hire purchase agreements. What does a hire purchase agreement mean to you? How does it work ? Will you pay too much on the agreement? Before you decide whether you want to enter into such an agreement, you need to find out what it means.

On this show you will find out how it works, ways to get hold of cheaper agreements and what happens when break such an agreed term.

Saturday, 26 January 2019

Your Money Matters...with Ripon Ray

Nick Fleming, Caseworker from the Royal British Legion,  joins Ripon Ray on Your Money Matters show to talk about mental and physical challenges soldiers of the  armed forces experience on and off the battlefield, and the financial problems many of these men, women and their family members experience.  This show gives you an insight into the lives of soldiers, their families and how they are being supported by the national charity. 

Thursday, 10 January 2019

Unite Community Enfield & Universal Credit Campaign



Please see this email as notification of the next branch meeting for Unite Community Enfield, which be taking place on:
Monday 21st January at 6:30pm in Meeting Room 1, Vincent House, 2E Nags Head Road, Ponders  End, Enfield, EN3 7FN. Please make sure to arrive at  6:15pm, so that we may start the meeting promptly at 6:30pm
We will be joined by Ripon Ray, author of the community money mattersblog, who will be leading our political discussion with a presentation about How To Survive On Universal Credit

Wednesday, 28 November 2018

(Part I) My presentation on universal credit and debt on Carers Day with Hackney Carers Centre (slides of the presentation included) brought to you by Hackney Council and Carers are the Bedrock

“Thank you so much for coming along, the ‘money’ workshops were by far the most popular, that was you and ‘Direct Payments”
       Lisa Taylor Carers Coordination Service Manager
          Hackney Carers Centre


Slides are below:


 

 

 

 

 

 



Part (II) My presentation on universal credit and debt on Carers Day with Hackney Carers Centre (slides of the presentation included) brought to you by Hackney Council and Carers are the Bedrock

Sunday, 11 November 2018

Venessa Feltz talks about money and debt with Ripon Ray on BBC London Radio


As Vanessa starts the conversation on money on BBC London on 9 November 2018, Ripon Ray phones in on her show to explain what he sees in Hackney and beyond as a money and debt expert.

Thursday, 25 October 2018

Your Money Matters...with Ripon Ray (23/10/2018)

Another week and another tip and topic for you. On this show I talk about how to keep your tax bill in check to make sure that the HMRC does not end up biting you extremely hard.

Also, my main topic of the week is to look at whether you should save or invest your money. When should you save your money? What is the difference between saving and investing? What benefits and risks there are before you think about saving and investing? If you are thinking of investing a huge sum, you must seek financial advice.

Sunday, 21 October 2018

Your Money Matters ...with Ripon Ray (Second Half) (16/10/2018)

On this half of the show my tip of the week is on life insurance. What is life insurance? Should you get a single life insurance or a joint? What are the benefits of getting a life insurance? Find out on this YouTube!

My main topic is then on council tax. Do know how councils work out how much you pay council tax? Are you entitled to any financial support on your council tax bill. When are you liable to pay it? What is the process for challenging your liability? Do you know that in curtain circumstances you are entitled to get a discount and exemption from paying council tax? If you are liable to pay, I explain the process councils throughout country follow to recover the debt either from your income or via an enforcement agent. Councils can make you bankrupt. In extreme scenarios you may be put in imprison. You will find all the answers on this part of the show.

Saturday, 20 October 2018

Your Money Matters...with Ripon Ray (16/10/2018)


My tips of the week for you is how to avoid paying extra on your mobile phone. I also explain ways for you to buy a car and pros and cons of buying your car outright, on hire purchase, loans repayment, personal contract purchase, paying by using credit card and peer-to-peer lending.