If you are deeply in debt then it may be that bankruptcy appears to be the only option. There are others and below I briefly mention 3 of them. If you are thinking of bankruptcy then your local Citizens Advice Bureau can advice you of your options and who to speak to next. IVA An [...]
The first step is to notice that you have a problem so well down you have completed the first step and hopefully the only way is up! It will take a lot or determination and maybe even some sacrifices however it will be worth it in the end. The second step would be to stop [...]
Two weeks ago I got an email from someone in financial problems asking for specific advice in regards to their relationship. She explained to me that she has been keeping her debt from her partner as they have separate credit cards and asked my advice. I’m very flattered for the email, but would like to [...]
Credit cards are a tricky subject. I don’t want to encourage anyone to spend dangerously on their credit cards or to spend above their means, but I also think it’s good to discuss how to use a credit card in a smart way to actually help control your finances. First of all avoid the worst [...]
It seems our post in July about Debt and relationships has sparked a few conversations! Here’s another guest post this week from someone who was inspired to write in after reading a post from another. If you want to write us a post and have your opinion on a debt topic heard, get in contact [...]
The first and most important step in getting out of debt is to admit that you have a problem, and to realise that it is really nothing to be ashamed of. There are thousands of others in the same boat, many of whom are too ashamed to admit to being in debt. Websites like MoneySavingExpert.com [...]
Home improvement loans do tend to have many advantages and disadvantages. Of course it really depends on what you plan to use the loan on in order to assess whether they are a good way of adding value to your home. Home improvement television programmes often show how a new kitchen or bathroom can increase [...]
With the recession just starting to take effect many of us will be feeling its force. Losing your job or knowing someone that has, the credit crunch is affecting us all. Most of us have payment protection on our mortgages or loans in case something unexpected happens, but what about those who don’t know about [...]
Borrowing money in the current financial crisis is all too common and borrowing without giving little or no thought to the future is a hazardous game to play. What happens to this debt if you die, does it get written off? NO, the debt must still paid back even in death by any means. A [...]
Every newspaper and every news reports tells us we are in the grip of the start of a recession, but for many of us we do not need the media to tell us about the recession many of us are living with it from day to day. This year has seen a large increase in [...]
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