As 2024 nears its end, now is the perfect time to consider your plans for next year. Where do you want to travel? What hobbies do you want to commit more time to? How can you make better use of your money?

The last question is something this article can help with. Read on for some smart financial tips that should help you do more with your money in 2025.

Keep an eye on changing interest rates

Interest rates don’t really matter to me, do they? Think again. They impact everything from your savings and debt to new loans and mortgages. The official Bank Rate (which influences all other interest rates) is set by the Bank of England. It’s been much higher than usual since the pandemic, peaking at 5.25%.

But recent signs are positive and we saw the first drop in interest rates since the end of 2021 in August 2024. All being well, interest rates should continue to drop over the coming months and years.

What does this mean for you? Falling interest rates mean saving becomes less attractive and lending money becomes more affordable. This could be good news if you’re looking to buy your first home or remortgage your existing one. The interest charged on personal or business loans may also come down, potentially opening new possibilities for you in 2025.

Use expected interest rate changes to plan the best path for your money, whether that’s saving, investing or borrowing.

Make better use of fintech

Technology is changing the financial industry in the UK and around the world. You won’t see many of the developments directly, but there are plenty of ways to incorporate fintech into your day-to-day life.

Most digital banking apps offer a range of features such as forecasted balances, remote card freezing and in-built budgeting tools to help you stay on top of your monthly finances. If you haven’t already, explore what your bank has to offer and use it as best as you can.

It may also be worth exploring other fintech avenues such as blockchain, digital currencies and user-friendly investment platforms. Stock trading has never been more accessible with the latest apps, websites and platforms giving you all the tools needed to get started with investing.

Find ways to diversify your income

Times are still tough for many people and the government has warned that the looming October budget will necessarily continue this trend. In a fragile economy like this, finding ways to increase and diversify your income is crucial.

Having different income sources means you’re less reliant on one. Should the worst happen, you’ll find it easier to stay afloat. But how can you make more money? The answer is out there – you just need to be creative and put your thinking cap on.

Doing more in your current job could be the way forward, or it might be a case of starting a side hustle, getting a second job or investing in things that provide passive income. Find the method that works for you and commit.

Business owners are continually trying to find new and interesting ways to make good impressions on customers. Sometimes, the attempt to generate traffic results in companies going viral, as they end up creating unique campaigns that really stand out. If you want to find out more, you’ll find some of the best promotions in the UK below

The Importance of Creative Marketing Campaigns

In a crowded marketplace, creativity helps brands to stand out. Good campaigns capture attention and also make a lasting impression, which is key for long-term success. For a campaign to be successful, it has to be unique and offer a strong benefit to the user.

Marketing campaigns within the iGaming sector are a prime example here. With thousands of websites for customers to choose from, casinos have to do their bit to create solid promotions that stand out from the crowd. That’s why online casino promotions often cover different games, with bonuses that range from a £100 Bonus + 100 Free Spins to random cash drops, daily tournaments and rewards for those who are at the top of the leaderboard.  Promotions like this often change according to user demand, with every casino offering something slightly different, depending on their core choice of games. 

In different sectors, such as retail, promotions like this aren’t often enough as campaigns need to draw foot traffic, as well as online sales. This is especially the case during the peak holiday season. That’s why some UK businesses decide to go the extra mile by creating campaigns that really resonate with their user base.

Notable Marketing Campaigns in the UK

The UK has seen some very notable marketing campaigns — such as the John Lewis Christmas advert. Their ads have been so highly regarded over the years that they have become an integral part of the holiday season. Every year, the company releases a heart-warming advert, often paired with a song cover.  You also have the Happy Inside campaign from IKEA. They wanted to promote their home furnishings but with a unique spin. They created some quirky videos, with some of them featuring cats as they run through the store. This helped to show that IKEA isn’t just a brand, but a company that understands the joy that comes with home. 

Nike’s Nothing Beats a Londoner campaign also did very well, and helped the company to gain the edge in a crowded market. In 2018, the campaign focused on the diverse culture of London, featuring dancers, athletes and everyday people in an attempt to make a point that nothing beats their drive and spirit. It resonated well with people within the city and across the UK, showing that sometimes it’s simple messages that work the best. 

Nike's new "Nothing Beats A Londoner" advert celebrates of everything that makes London great https://t.co/h4WaTzMsue … pic.twitter.com/pZfJKJcGKO

— ITV London (@itvlondon) February 9, 2018

You also have the iconic Tango advertisement. In the 2000s, the brand launched a memorable advertisement that featured pranks. These became somewhat synonymous with the trademark of the brand, as people associated them with fun and mischief. 

With so many creative marketing campaigns out there, there’s never been more inspiration for businesses that want to stand out while solidifying their market presence.

Gathering for an evening of games is a wonderful way to unwind and share memorable moments. Whether you’re hoping for a cosy night in or a lively party, organising a games night can be fun, rewarding, and surprisingly personal too.

Below, we’ve shared some top tips to help you host a fantastic evening with your friends, family, or favourite teammates.

Setting the scene

The first step in creating a successful games night is setting the right atmosphere.

Choose a comfortable and inviting space where everyone can gather and see what’s going on. Beanbags, soft armchairs, or comfortable sofas work well for this.

Think about decorating the area with warm lighting or cosy additions like fairy lights to create an even more welcoming ambiance. If you have a handy hi-fi system at home, playing some soft background music could enhance the mood without being too distracting.

Selecting the games

When it comes to the main event, you’ll need to choose carefully. Variety is key, but you should also think about mixing up the selection to cater for the different tastes and personalities in your group. A few categories to consider include:

• Board games: Classic board games are always a hit. They’re great for kickstarting conversation and kindling friendly competition in the group.
• Card games: Every household has a pack of cards, so why not put yours to good use? Cards are versatile and portable, so they’re easy to add to any game night setting.
• Interactive games: Classic act-out games get the whole group involved and often lead to a lot of laughter.
• Bingo: Whether you’re a regular in town or you’ve been inspired to play on a bingo app, this game makes an exciting highlight.

There are so many types of games to choose from. Don’t forget that you could pick and choose your own favourites: they don’t need to belong to the same category or era!

Preparing the snacks

No games night would be complete without some delicious snacks on the side.

Try to choose a mix of sweet and savoury treats that are both easy to eat and comfortable to digest as the games carry on. Think along the lines of picnic food like mini sandwiches, chips and dips, and perhaps some little desserts like brownies or cookies.

You could even prepare your own grazing board if you’re feeling sophisticated on the night. Just don’t forget to accommodate any dietary requirements or allergies that your guests might have.

Making memories and wrapping up

Following a relaxed schedule helps your games night to flow smoothly, and you should allocate time for comfort breaks throughout the evening. Encourage friendly competition by offering small prizes for winners but remember to keep things light-hearted for everyone.

Finally, the memories you make will always be the best part of a games night. Capture the best moments by taking photos throughout the evening, perhaps on a point-and-shoot film camera. These moments will make lovely souvenirs and remind everyone of wholesome times. Let the games begin!

Online gaming has become more than a pastime—it’s now a global space where millions connect, compete, and build lasting friendships. Players share usernames, payment details, and sometimes more personal data, making security essential in this digital world. 

This isn’t only true for traditional games but also for iGaming platforms like online casinos, where players can find unique perks, such as casino cashback offers, which provide monetary reassurance. Cashback offers allow players to recover some of their losses, making the gaming experience less risky. Alongside the thrill of gameplay, perks like instant payouts and generous bonuses are designed to keep players engaged while ensuring they have a safety net should luck not be on their side. 

However, there are a lot of other risks out there too, and with the rapid growth of online gaming, data security has now taken centre stage. Gamers aren’t just in it for fun anymore—they want assurance that their information is protected. Here’s a look at how to better protect yourself while playing online. 

Layers of Security in Online Gaming Platforms

To protect player data, gaming platforms have crafted security solutions that work behind the scenes while players immerse themselves in games and tournaments. 

Encryption

Encryption is like the lock on the front door, keeping hackers from seeing sensitive data as it travels between players and game servers. 

Two-factor authentication (2FA)  

Imagine leaving your house keys in the hands of a stranger. That’s how exposed an account could feel without the added safeguard of 2FA. When platforms request a unique code sent to a mobile device, they add a safety net, blocking unauthorised access.

Common Cybersecurity Risks

Phishing Attacks

While gaming platforms continue to pour resources into securing player data, online gaming still has some challenges. Phishing attacks, for example, are still a common threat. Hackers often disguise themselves as customer support or even other players, trying to fool users into giving up their credentials. 

Malware and Ransomware

Malware and ransomware threats are another lurking danger, especially for those who love game mods or downloadable extras. The files carry malware, waiting to lock up files and demand ransoms.

DDoS Attacks

Then, there are DDoS attacks, where malicious actors flood a game server with fake traffic to knock it offline. This doesn’t just ruin the experience for players but dents a platform’s reputation, especially when professional matches or popular games are hit. It’s like the entire arena going dark during the big game.

Crypto Casinos

As if gaming wasn’t exciting enough, crypto casinos add a new level with blockchain technology. Instead of traditional banking, these platforms rely on a decentralised ledger, making transactions both secure and traceable. With this, there’s no need to share tons of personal info; only a wallet address is needed. That’s a win for privacy-conscious players, as less personal data is stored.

Still, crypto casinos aren’t without their quirks. They operate in a largely unregulated space, so disputes over transactions or fraud can be tricky to resolve. Blockchain transactions are permanent, unlike credit card disputes, in which funds might be reimbursed.