The first things you have to take into account when you receive your payslip are the unavoidable demands made on your salary by the Government, namely income tax and National Insurance contributions. These are generally deducted before you see your money. The amount you see as ‘net pay’ is yours but needs to be managed effectively. [...]
National Lottery organisers Camelot have released a series of statistics which will seemingly improve your odds of winning the lottery. According to the National Lottery records which were published last week, you are more likely to hit the jackpot with an old-fashioned which people can spell. John and Margaret top the lists of men and [...]
If financial problems wrack you with worry, take comfort in the knowledge you are not alone. In fact, the list of the rich and famous who have struggled with debt is a surprisingly long one. Here is just a small selection; Thinking of buying a whole town? It is not cheap and may well lead [...]
Throughout the recession we have continually been warned to be creative with our money. However, it is doubtful that the financial experts issuing such warnings had the following in mind when they recommended creativity! Some people appear to have taken creativity to the extreme by differing origami shapes from bank notes take a look at [...]
It really depends on your situation. If you are still in an early and fledgling relationship then I think that you shouldn’t have to share your debt problems with your partner. It is more about diverting the actual truth rather than lying. If you’re in a long lasting relationship then couples should share debt problems [...]
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 [...]
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 is so easy to get into debt, but not as easy to get out of it. The best solution is of course never getting into debt in the first place. Here’s my advice on how to scrape those pennies together if money’s a bit tight to avoid the debt cycle. The first thing you [...]
Are your money management skills effected by your upbringing? As with anything, the best way to learn — for people of any age — is through hands-on experience; I believe the best way for kids to learn how to manage their own money is by letting them taking control of it. This doesn’t necessarily mean [...]
If you have debt problems and the January blues are getting you down and need to get it you need to pick up the phone and call a debt management service provider, but before you do, that make sure you the debt solution team you pick is right for you and offers a good service [...]
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