Mindful Money.

Introduction to mindful money.

There’s no ‘one size fits all’ and clever money management looks different for all of us. But talking about money shouldn’t be the last taboo. Having open, honest and thought-provoking conversations about managing finances is valuable for all of us.

That’s how Mindful Money was born; we wanted to create a platform to take some of the headache out of finance, and swap tips on day-to-day saving and spending from those in the know. No preaching, no jargon; just honest, thoughtful insights about money management.

Whether you’re dreaming of taking your first steps on the property ladder, starting a business, travelling the world, or want to understand how credit works we’ve teamed up with some brilliant contributors offering helpful guidance on how you can make your hard-earned cash go further.

Saving.

Whether the goal is saving up for a holiday this summer or breaking bad money habits for good, our contributors will share their advice on building up your bank balance in a sustainable and achievable way - whatever you want to use it for.

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Spending.

From making smart changes to manage spending, to feeling empowered to spend money sustainably - our contributors share thoughts based on their own experiences and provide some helpful, honest and judgement free opinions and hacks on spending.

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Living.

In our living section, our contributors explore the role of money in different areas of our lives. They’ll cover things like managing money and mental health, sharing your life and money with someone else and the rise of the side-hustle.

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Jargon busting.

It’s no coincidence that the Swedish translation of ‘Klarna’ is ‘clear.’ We want to be simple and transparent in everything we do – because life is complicated enough already. Being smoooth means being crystal clear, so here are some common pieces of financial jargon that sometimes confuse people.

Direct Debit

Essentially an instruction from you to your bank or building society. It authorises the organisation or recipient you want to pay to collect money from your account. The bank or building society then transfers that money on a date agreed by you and the recipient.

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APR

Short for Annual Percentage Rate, APR represents the amount of interest you'll pay annually on any money borrowed. APR can include the interest rate as well as any charges. All financial products that let you borrow money must show the APR rate so you can fairly compare products. APR is calculated the same way by all lenders.

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Credit score

When you apply for a financial product, lenders will often review your credit score. This is based upon your history of handling credit and can encompass things like mobile phone bills, previous credit cards, if you’re on the electoral roll and a variety of other factors.

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Unsecured loan

Simply put, this is when you borrow money from a bank or another lender and it is not tied to an asset for security. If you miss a payment on an unsecured loan, a lender cannot repossess any of your assets. Whilst they are unable to seize assets, some lenders may take legal action such as a County Court Judgement if repayments continued to be missed.

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Meet the contributors.

Important information.

Opinions, not advice.

We want to create an open community for people to talk about their finances and access insights from contributors. But it’s important to note that no content on this page should be construed as being personal finance advice.

The views and opinions contained in this site belong to the contributors and authors, or the individual to whom they are attributed, and may not necessarily represent views expressed or reflected by Klarna.

Where to go for financial help.

Dealing with money worries and debt can be stressful, but you’re not alone. There are specially trained experts on hand 24/7 to help you get your finances back on track. Please contact one of the expert services below to seek help with your financial problems: