Rachel Wait
Rachel is a finance expert and regular contributor to Top Ten Reviews. She has crafted expert financial advice for the likes of The Spectator, Money Supermarket, Money to the Masses, and The Observer. She has written extensively about money-saving tips, and about how you can make the most of your finances in relation to loans, house buying, and other subjects.
Latest articles by Rachel Wait

What is zombie debt and how should you deal with it?
By Rachel Wait published
Zombie debt might sound like the stuff of nightmares, but it’s a reality that many Americans are facing. We explain how it works and what you can do to protect yourself.

Should you file for bankruptcy?
By Rachel Wait last updated
If you've ever wondered 'should you file for bankruptcy?', we'll help you understand how bankruptcy works and if it’s the right decision for you.

How to prepare your home for winter
By Rachel Wait published
How To As the colder months approach, prepare your home for winter and reduce the risk of paying for expensive repairs with our step-by-step guide.

How does tax deduction work?
By Rachel Wait published
How To Understanding how tax deduction works can help make your money work harder and reduce your tax bill.

How to refinance a car (and why does it help you?)
By Rachel Wait published
How To If you want to be smarter with your money, refinancing your car could significantly reduce the interest payments on your loan and help you pay off your debt faster.

Tax avoidance vs tax evasion: what's the difference?
By Rachel Wait published
Feature Tax avoidance vs tax evasion: what's the difference?

How to make a will for free
By Rachel Wait published
How to If you’re looking to create a will, you don’t necessarily need to go to the expense of hiring a lawyer to do so. You may be able to draw up your own will free of charge.

15-year mortgage vs 30-year mortgage: Which is best for you?
By Rachel Wait published
Feature When arranging a mortgage, you’ll need to decide whether you’d prefer a 15-year mortgage or a 30-year mortgage. Here are the pros and cons of both to help you choose.

How long do derogatory marks on credit last?
By Rachel Wait published
Feature Derogatory marks on your credit report can damage your credit score and make it harder to borrow. But how long do derogatory marks last and how can they be fixed?

How much does it cost to refinance your house?
By Rachel Wait published
Feature There are many benefits to refinancing your home, but with closing costs to consider, here's how much you can expect to pay and what you can do to reduce them.

Which loans to pay off first
By Rachel Wait published
Feature There are a number of strategies you can adopt when it comes to paying off loan debt. Here, we outline which loans to pay off first and your options to help you stay motivated.

Why you should make a will
By Rachel Wait published
Feature Creating a will is important if you want to ensure your estate will be passed on to those you love. Here, we explain why you should make a will and what will happen if you don’t.
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