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Poll: Who Are The Best Money Tweeters?

With over 200 million users worldwide and around 1600 tweets happening every second Twitter is becoming increasingly difficult to ignore. With so many tweeters out there to follow it is possible that those of you who are interested in money matters may be missing some of the best money related tweeters to follow. With this in mind we decided to help out by finding 25 of the most useful ones and to run a poll to see just who our customers think are the most useful.

To produce the list we have been monitoring hundreds of Twitter accounts over the last month or so and it was an extremely difficult task to narrow it down to just 25. To whittle the list down we took into account factors such as measures of Twitter influence, tweeting frequency, number of followers and just plain usefulness of tweets. Anyone who tweets about money related matters has been considered for the poll and this list includes those that tweet about such diverse matters as credit card debt statistics and the merits of entering an IVA to the latest money saving tips and tricks.

Below is our list of 25 with links to their Twitter page and the Twitter bio for each tweeter. We recommend that you follow all of them and pick up to five of your favourites in the poll at the bottom.  Happy voting!

@TheEconomist - Official site for The Economist. Follow for article postings, updates and events.

@FT – World business, finance and political news from the Financial Times

@Hmtreasury – The official Twitter channel of HM Treasury, updated by the Treasury communications team. Watch our latest videos on YouTube http://www.youtube.com/hmtreasuryuk

@creditaction – Credit Action is a national money education charity and we exist to promote better thinking about money to prevent people experiencing the pain of debt.

@EnergySvgTrust – The Energy Saving Trust is a non-profit government funded organisation, which offers free and impartial advice on how to stop wasting energy and money at home.

@TimHarford – Author of The Undercover Economist; Financial Times columnist; presenter of More or Less, Radio 4. (Email via website is best for important messages.)

@MartinSLewis – Broadcaster journalist MoneySavingExpert. 140 characters on life, money, being in the media more. For tips see official @MoneySavingExp. 1st tweet 25feb11

@Paulmasonnews – Newsnight’s economics editor. Author of Meltdown; Live Working or Die Fighting.

@MoneySavingExp – MoneySavingExpert.com, Martin Lewis’s site is dedicated to saving you money on anything and everything by finding the best deals and beating the system.

@MoneywiseOnline – Moneywise is the UK’s leading personal finance magazine.

@MoneyObserver – Tweets from Money Observer’s Ruth Emery and Cathy Adams.

@msnmoney – Headlines and blog posts from the MSN UK Money site.

@paullewismoney – Financial journalist, broadcaster and public speaker. Expert on Wilkie Collins. These tweets are personal – not BBC Money Box or Breakfast nor Saga, just me.

@Real_Business – Keeping SMEs and enterprising people informed, engaged and inspired through digital, print and events.

@tepilo – Launched in July 09 – Tepilo.com is Channel 4 presenter Sarah Beeny’s alternative way to buy,sell or let your home for free.

@Jasmine – Financial expert, TV presenter, writer, humourist. A Money Magpie helping others become one.

@thisismoney – This is Money: news, tips advice and opinion on all things financial brought to you by @taraevans and @rich_browning.

@Zerocredit_UK - Sharing nfp & #creditfree since June 2009. Throw us on the scrap heap & we’ll all go bust…

@WhichAction – Nikki and Charlotte are tweeting for WhichAction. We campaign to make people’s lives fairer, simpler and safer.

@quidco – Tips, site updates, cashback news from the fringes of Quidco’s brain.

@IFALife – Founder of the IFA Life Social Network, author and speaker on Social Media. Pioneering the use of Social Media by CFP Financial Planners, IFAs RIAs worldwide.

@DavidWorsfold – Financial journalist now in editorial management at Incisive Media. I have a blog about politics and financial services.

@Savvy_Woman – Editor of SavvyWoman.co.uk – money website for smart women.

@CashQuestions – Financial agony aunt extraordinaire; Daily Express columnist, Radio London money expert, Feisty Friday Money Minx and general financial commentator.

@martynsaville - Personal finance journalist at Which? writing on credit and debt, but with a penchant for Grace Jones, Dexter and Jasper Fforde on the side. Views are my own.


Don’t forget you can find me on Twitter and Facebook


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Joint & Several Liability – What does this mean?

If you take out a credit agreement in joint names, with your partner for example, then you may or may not be aware that you are both liable for the full amount of credit that you borrowed. This blog will go through all you need to know about Joint & Several Liability.

What is Joint & Several Liability?

When a credit agreement is signed by more than one person, then all of those that signed the agreement are liable for the full amount of credit borrowed. This is usually common with husbands and wives taking out a loan together. Most people do not think both parties are liable, they assume that they can only be chased for half.

If you have a credit card and you both have a card for that account, this is not a joint debt. Whoever took out the original agreement is liable for the debt, while the other is simply a cardholder.

With utilities and council tax, regardless of whose name appears on the bill, both of you will be liable to for any debts on the accounts.

What happens if…

I split up with my partner? You will both still be required to make payments towards the debt. If you both stop payments then you both will be chased.

My partner goes bankrupt? Your partner will be discharged from the debt by the creditor. The creditor will then chase you for the remaining amount of credit on the account.

My partner enters into an IVA? Your partner will pay a percentage of the debt back and then your creditor will chase you for whatever is outstanding on the account.

My partner enters in a DMP? Your partner will pay a certain amount each month towards the debt, but the creditors will chase you for the full contractual payment.

If you are worried about a debt that you have jointly with someone then you can speak to one of our specialists on 0800 2802816.

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Your Credit Report…

Your credit report can help decide whether you are given credit or not and holds all the information a creditor needs to make that decision.

Today I am going to discuss the ins and outs of your credit report so you know all that you need to.

What is a Credit Report?

Your credit report compiles information from two different sources; public records and information from the credit industry.

Public Records- the type of information these hold are electoral roll details, details of any court judgments that have been issued against you, as well as details of whether you are in or have entered into an IVA or bankruptcy in the last six years.

Creditor Information- this is made up of credit accounts that you hold, credit applications that you make and financial associations.

What is the importance of my Credit Report?

Your credit report could be the decision maker for a creditor as to whether or not they will give you the credit. As well as deciding whether you get credit or not, it can also determine the interest rate or level/amount of credit offered. You have the right to view your report and have anything that is incorrect removed.

What is my Credit Rating?

This is the score based on your credit history and also helps a creditor with their decision making process. Not only can it affect your ability to gain credit but it can also have an effect on your ability to open a new bank account, gaining new employment in certain sectors and even has an effect on rental or mortgage applications. The information on your credit report, and the information you provide on an application form to a creditor, may be used by that creditor to give you a credit score. The creditor will use this credit score to identify the risk of offering you credit. The previous occupants of your address cannot affect your credit score. Also, credit scores do not take account of your sex, religion, race, political beliefs, sexuality or criminal record.

Where do I get my Credit Report from?

There are three big agencies who can provide your full credit report;

If you are still unsure about anything call one of our specialists who will always be happy to help
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