Have you ever been caught out by payments you've forgotten about?

Join over 2.5 million customers who are already using the Lloyd's Bank Upcoming Payments tool on our app.

It gives you early sight of regular payments that are due to leave your account in the next 31 days

to avoid any surprises.

It's just one of our many useful tools that can help you stay on top of your money.

To find out more, go to Lloyd'sbank.com forward slash cost of living.

Lloyd's Bank, by your side.

I'm Nicole Lapin, the only financial expert you don't need a dictionary to understand.

It's time for some money rehab.

The housing market is a tough one.

This is not breaking news.

There is a limited amount of inventory, mortgage rates are peaking and housing prices.

Have states stubbornly high.

However, if you've got a little time, a little savvy, and some cash on hand,

there's a trick that could save you money on a house by the end of the year.

This trick will vibe with those who like hunting for special finds at thrift stores

and buying used fixed-repper cars.

The rest of you can use it too, of course, but it really works best if you love a deal and enjoy a challenge.

I'm of course talking about foreclosed homes.

Properties that mortgage lenders have reclaimed because the buyer was no longer able to make mortgage payments.

During the pandemic, there was a moratorium on home foreclosures, because, you know, it was a pandemic.

But when those restrictions on foreclosures ended, many speculated that the market would be flooded by foreclosures.

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