Harmony Financial Services – Your UK Guide to Smart Money Moves
Welcome! Whether you’re saving for a house, planning retirement, or just want a better budget, we’ve got simple, actionable advice. Our team knows the UK market inside out, so you can avoid costly mistakes and make your money work harder.
Tailored Investment Advice
From ISA options to crypto basics, we break down each choice with real‑world examples. Want to know if a Stocks & Shares ISA beats a cash ISA? We compare tax benefits, risks and give you a step‑by‑step plan to pick the right one for your goals.
Complete Financial Planning
We cover everything – mortgage rates, debt consolidation, budgeting tricks and even equity release for retirees. Each article ends with a quick checklist so you can apply what you’ve learned today. No jargon, just clear steps you can use right now.
Start exploring, ask questions, and let us help you hit all the right notes with your finances.
Can I Get FAFSA if I Make $100K? Here’s the Real Answer
Making $100,000 doesn’t disqualify you from FAFSA. You can still get loans, work-study, and even grants. Here’s how income, family size, and assets really affect your aid eligibility.
Read More >>How Many People Own 1 Bitcoin? Real Numbers Behind the Myth
Only about 4 million people own a full Bitcoin today - less than 0.05% of the world. Most hold fractions. Here's who owns the rest, why the number is falling, and what it really means to own BTC now.
Read More >>What Is the Best Way to Get Equity Release?
Equity release lets homeowners over 55 unlock cash from their property without moving. Learn how lifetime mortgages work, what to watch out for, and how to avoid costly mistakes that could wipe out your inheritance.
Read More >>Is $6,000 a Month a Good Pension? Real Numbers for Real Life
Is $6,000 a month a good pension in Australia? For most retirees, yes - it’s well above average and provides real comfort. Learn what it covers, who it works for, and how to make it last.
Read More >>Can You Pay Off a Credit Card with Another Credit Card? Here’s What Actually Works
Yes, you can pay off one credit card with another using a balance transfer-but only if you have a plan. Learn how it works, the hidden fees, and how to avoid making your debt worse.
Read More >>What Is the US Version of an ISA? Tax-Advantaged Accounts Explained
The US doesn't have a direct equivalent to the UK's ISA, but Roth IRAs, Roth 401(k)s, and HSAs together offer similar tax-free growth. Learn how to combine them for maximum savings freedom.
Read More >>Can I Get FAFSA If I Make $50K? Here’s the Real Answer
Making $50,000 doesn't disqualify you from FAFSA. Many families at this income level get grants, loans, and work-study. Here's what you actually qualify for-and why not filing is a big mistake.
Read More >>Who Gets the Money When You Buy Bitcoin? The Real Players Behind the Transaction
When you buy Bitcoin, the money goes to the seller-not a company or miner. Understand who really benefits and how exchanges, peer-to-peer trades, and mining fit into the picture.
Read More >>What Are the Risks of Remortgaging? Key Dangers You Can't Ignore
Remortgaging can save money-but only if you avoid hidden fees, early repayment charges, and extended loan terms. Learn the real risks of switching mortgages in 2025 and how to protect your finances.
Read More >>What Do I Do With Bitcoin Once I Buy It? A Practical Guide for Beginners
After buying Bitcoin, the real work begins. Learn how to store it safely, use it wisely, avoid scams, and handle taxes in Australia. No fluff-just what actually matters.
Read More >>How Long Do You Have to Pay Off a Debt Consolidation Loan?
Debt consolidation loans typically have terms of 3 to 7 years. How long you actually pay depends on your loan terms, interest rate, and whether you make extra payments. Paying faster saves money and gets you debt-free sooner.
Read More >>Which Banks Are Offering 7% Interest on Savings Accounts in 2025?
In 2025, only a few digital banks in Australia offer 7% interest on savings accounts-but it comes with strict conditions. Learn who's offering it, how to qualify, and what happens after the promo ends.
Read More >>