THE BADGER BULLETIN - STRAIGHT FROM THE SETT

Welcome back to The Badger Bulletin, where we examine the financial landscape and attempt to break down complex economic concepts with a no-nonsense approach. Like shouting ‘b*****ks’ at your bank manager!

If you’re wondering why you’re receiving a newsletter you never signed up for, here’s why. At some point in the last year you applied for a loan at Badger Loans. While doing that you opted-in to receive marketing from us. If you don’t want to receive this newsletter simply scroll to the bottom, click unsubscribe and we will disappear back into the algorithms. Until you come back for your next loan and we can do this all over again.

What’s happening in The Bulletin this week Badger?

Contents:

1.  💡 Blog Piece - The Human Side of Finance

2.  😆 Economic Satire: Short of the Month

3. 💰 Hints, Tips & Hacks – Straight from the Sett

4.  🪙 Bully Badger - buy or sell scrap gold & bullion

5.  📊 Central Banks – A Critical Perspective

6.  🫰 You Might Like This! Advert from Superhuman AI

   Need some extra help this month?

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   Make sure you don’t get scammed! From next week the Badger Bulletin will be publishing the FCA Warning List of firms trying to scam you. If you want to check it now, here’s a link: FCA Warning List

📝 Blog Piece: The Human Side of Finance – Why We Keep Going

Let’s face it; sometimes, keeping our finances in order feels like trying to herd cats. You make a plan, you budget, you track expenses and then bam! Life hits you with a car repair, a surprise bill or your dog’s sudden obsession with eating through the sofa (looking at you, Milo). It’s chaotic, relentless and sometimes downright disheartening.

But here’s the thing - we keep going. Why? Because managing money is less about perfection and more about persistence. Nobody nails it every time. Even the most disciplined budgeters sometimes get caught off guard. That’s okay. The important bit is not giving up when things get tricky.

Think of your financial journey as a series of small victories. Maybe you didn’t save as much as you planned last month but you didn’t rack up more debt either. Perhaps you didn’t hit your investment goals but you still put something away. Those little wins add up and they matter more than the occasional stumble.

One of the best things you can do is take stock of what’s going well. Give yourself a pat on the back for the positive steps, no matter how small they seem. Sometimes just keeping your head above water during tough months is a victory worth celebrating in itself.

It’s also crucial to remember that finance isn’t just numbers on a screen or figures in a spreadsheet. It’s about living your life in a way that’s enjoyable and forward-thinking. Balance is key. Splurging on a meal with friends after a tough week doesn’t make you irresponsible, it makes you human.

So, if you’re feeling overwhelmed, take a step back. Reassess your goals, and remember that flexibility is part of the process. Adaptability doesn’t mean you’re failing, it means you’re resilient. After all, you’re navigating a constantly shifting economic landscape while juggling life’s demands. That’s no small feat.

At Badger Loans, we get it. Money management isn’t just about cold, hard calculations. It’s about finding ways to make your finances work for you, even when the going gets tough. We’re all just trying to do our best, one budgeting mishap at a time.

Keep at it. You’re more resilient than you think.

Need some help in the pocket?

Hints, Tips & Hacks – Undercover Tactics to Boost Your Credit Score:

• Become an Authorised User: Get added to someone else's good-standing credit card (with low balance). Their good behaviour benefits you. Like hitching a lift with a millionaire.

• Utility Bills on Your Report: Some services now allow you to add council tax, gas, and electric payments to your credit file. If you're paying it, you might as well get the brownie points. Like this: https://zable.co.uk/rent-reporting

• The 30% Rule (Ignore it): Aim for under 10% utilisation, not 30%. High scorers use almost none of their credit. Pretend it's lava.

• Set Alerts: Set your own reminders for minimum payments two days early. Don't trust the banks to warn you in time — they'll happily stitch you up for a late fee.

• Debt Snowflake Method: Can't commit to big extra payments? Throw whatever spare change you can find at debts daily or weekly. It builds momentum faster than you'd think.

Struggling for money!?

Badger Loans has your back.

We’re more than just a credit broker—we help repair your credit score for FREE while giving you access to some of the best bad credit loan deals in the UK. The whole point of this newsletter is to help you, the prospective loan applicant, get funded. Far too many people get knocked back in this industry and it’s so often for simple things they could easily have done something about. That’s where we come in. If, by reading something here that either changes a behaviour or gives a tip you didn’t know which results in you getting access to money you otherwise wouldn’t have - we’ve done our job.

With our seamless process, you can:

• Get instant approvals on loans

• Enjoy same day payouts (or sometimes quicker!) directly to your account

• Sell your Gold Silver or Jewellery with our Bully Badger bullion service

• About to inherit? Probate underway? See our Probate & Estate Loans

• Get a Home Improvement Loan without using your home as security.

Why wait? Take control of your finances today:

Bully Badger – Turn Old Gold into Smart Money

Meet Bully Badger.

He’s not an angry, uptight badger. He’s a helpful, friendly badger and he’s got one job and one job only. Before you think about taking out one of the more expensive loans of your life, have a look around your place for some unwanted, forgotten gold or jewellery. Found some? Head over to Bully Badger and sell it via our partnership with Hatton Garden Metals. They are one of the oldest and most trusted purveyors of gold and precious metals in the country and they want your old gold or jewellery.

📊 Analytical Insight: Central Banks – A Critical Perspective

Central banks, often perceived as stabilizing forces within the economy, are, in reality, autonomous entities with profound influence over national and global financial systems. They regulate money supply, set interest rates, and directly affect inflation, employment, and the cost of borrowing. While ostensibly serving public interests, their policies frequently align with the priorities of financial elites.

One crucial aspect to understand is that central banks are largely independent from governmental control. This structural separation means that unelected officials can significantly impact the financial well-being of the populace without direct accountability. For instance, inflation – often portrayed as a natural economic outcome – is frequently exacerbated by expansive monetary policies, such as quantitative easing or prolonged low-interest rates. These measures disproportionately benefit large financial institutions and corporations, while households contend with rising living costs.

Understanding the broader implications of central bank policies is crucial for anyone looking to protect their financial well-being. By staying informed and critically assessing policy changes, you can better navigate economic shifts and make more informed investment decisions.

 How Central Banks Control Money

Need some extra cash? Hit the Apply Now button below to get on your way.

That’s all for this week folks!

That's it from the Sett for now. Remember: in a world run by central banks, being a badger - stubborn, sharp-eyed, and downright awkward could be your greatest weapon.

Looking for a loan?

📢 Want to keep getting this newsletter? Stick around for next week’s issue, where we’ll give you more ways to get funded. Plus, more tips to get your credit score flying.

See you next week,
Badger Loans