How to upgrade your garden for under £500
Zopa - Simple loans. Smart investments.
by sara-bishop
3y ago
From budget busting £50-makeovers all the way to a generous £500 spend – there’s a hack for every outdoor space – big or small. And, as long as you spend your money wisely, you can really pack a punch with your garden glow-ups. We asked affordable design experts, Topology for hacks,  projects and upcycling ideas to transform your outdoor space for under £500. Here’s what they’d do. There seems to be a big misconception that garden renovations have to cost an arm and a leg. But that’s really not the case! With a little bit of savvy spending and some unique ideas you can transform your outd ..read more
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Four ways to do up your garden for under £250
Zopa - Simple loans. Smart investments.
by Guest blogger
3y ago
As long as you spend your money wisely, it doesn’t need to cost a fortune to give your garden a makeover. We asked affordable design experts, Topology for four budget friendly hacks hacks, projects and upcycling ideas to transform your outdoor space for under £250. Here’s what they’d do and how you can recreate it too.  If we were to hand you £250 to re-do your garden or outdoor space, you may not think it could do much. But that’s where we can help! With a little bit of creative thinking and snooping around on Pinterest, you’ll soon come across heaps of ideas to give your garden a g ..read more
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Six ways to do up your garden for under £50
Zopa - Simple loans. Smart investments.
by Guest blogger
3y ago
As long as you spend your money wisely, it doesn’t need to cost a fortune to give your garden a makeover. We asked affordable design experts, Topology for 6 budget friendly DIY hacks,  projects and upcycling ideas to transform your outdoor space  for under £50. Here’s what they’d do Now that we’re finally allowed to host up to six friends or family members from two households in our gardens and outdoor spaces, it’s time to think about getting whatever space we have outdoors visitor-ready.  Over the next three posts, we’ll show some affordable, but transformational, garden r ..read more
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Sarah’s Real Money Story: a tale of two relationships
Zopa - Simple loans. Smart investments.
by Zopa Blogger
3y ago
Sarah is a Zopa customer from Staffordshire. She has a job she loves, a comfortable salary and is saving to buy a house with her partner. But her Real Money Story hasn’t always been so smooth. Now in her 30s, she’s still unpicking the financial damage from a relationship she started in her teens… I was just 18 when I met John* (names changed to protect identity). He was a lot older than me, ran an established business and seemed well off. Growing up, my family never had a lot of money. I don’t feel I ever ‘wanted’ for anything and I certainly don’t feel that I missed out on anything, but now I ..read more
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John’s Real Money Story – investing, borrowing and back again
Zopa - Simple loans. Smart investments.
by Zopa Blogger
3y ago
John’s a Zopa investor, who’s also taken out a Zopa loan. We spoke to him about his approach to money and the role investing and saving has played in his life. Remember, with peer-to-peer investing, your capital is at risk. Our loans had a Representative 15.4% APR on the day this blog was published. What would you say your approach to money is? Growing up, I was always more of a saver compared to my siblings, more interested in making money than spending it. For example, when the funfair would come to town, I’d be more interested in getting a job there and getting free rides than spending what ..read more
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How do Buy Now Pay Later schemes work?
Zopa - Simple loans. Smart investments.
by Guest blogger
3y ago
More people than ever are using Buy Now Pay Later schemes, but, like our anonymous interviewee in episode 5 of Your Real Money Stories podcast, many aren’t 100% sure on what they’re signing up for. So we asked money and mindset coach Laura Ann Moore to set out the basics  of how Buy Now Pay Later works, what to look out for and what happens if you miss a payment Buy Now Pay Later (BNPL) schemes have grown in popularity in recent years, as more online shopping retailers offer them to their customers. BNPL products allow you to stagger payment for your goods or services, or defer payment to ..read more
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Eight ways to dress more sustainably without breaking the bank
Zopa - Simple loans. Smart investments.
by Guest blogger
3y ago
Four out of five people think environmentally friendly products cost too much. As sustainability becomes the buzzword du jour and a proliferation of ‘responsible’ brands with frankly reckless price tags fill up our social feeds, an eco conscience looks in danger of becoming yet another must-have accessory we can’t afford. A green garment industry? But can we afford not to have one? With the garment industry responsible for a whopping 10% of all greenhouse gas emissions and time running out to counter the impact of climate change, it’s pretty clear the planet can’t afford to support our throwaw ..read more
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Zopa’s women in tech: Meet Patricia Haynes, VP of Engineering
Zopa - Simple loans. Smart investments.
by Guest blogger
3y ago
To mark International Women’s Day, we interviewed Patricia Haynes, Zopa’s VP of engineering and most senior woman in tech. She talks about how she established her career, why diversity has such an important role to play in tech and what we can do to foster an environment where women’s voices are heard Tell us about your role at Zopa. I’m VP of engineering at Zopa. I joined at the beginning of 2020 and I’m responsible for all of our Engineering, Data Services and QA expertise. On her career… Why did you choose a career in tech? Curiosity. When I was young, I was always taking things apart with ..read more
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What does the Budget mean for you?
Zopa - Simple loans. Smart investments.
by Laura Whateley
3y ago
Our Real Money Correspondent, Laura Whateley, breaks down what the March 2021 budget means for your personal finances Covid has shattered many people’s finances over the past year, with millions still on furlough or worrying about self-employment income drying up as lockdown continues. Yesterday the Chancellor, Rishi Sunak, announced his Budget, promising to protect workers and businesses.  Here’s how it may affect your personal finances: If you’re on furlough… The furlough scheme, where those who are unable to work as a result of the pandemic can receive up to 80 per cent of their income ..read more
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Age by age: the government support available for parents
Zopa - Simple loans. Smart investments.
by Laura Whateley
3y ago
In Episode 3 of Your Real Money Stories podcast, our anonymous interviewee talks about what it takes to be financially prepared for parenthood. While children are undeniably expensive, most people will qualify for some government support. Our Real Money Correspondent, Laura Whateley, rounds up what’s on offer Many parents have been hard hit by the pandemic. Half of those with young children have been struggling to make ends meet and are twice as likely as those without children to say they are running out of money, according to a survey in 2020 by the Fawcett Society, and the Women’s Budget Gr ..read more
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