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Savings Advice websites guide to IVAs. Everything you need to know about IVA debt including advantages of IVAs and a look at other debt solutions

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Resource guide to debt, covering a wide range of topics such as CCJs, credit cards, mortgages, how to avoid debt and how to maximise your income if you're already in debt.

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Brilliant collection of debt resources - from information about debt solutions like IVAs and consolidated loans to general money information about credit cards, re-mortgaging and more.

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there are a few more costs you could cut to help you clear debt and look forward to a debt free future that maybe you didn’t realise, here are a few of the main debt offenders.

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Ignoring debt does not make it go away, it just adds to the problem. Your creditors are more likely to negotiate terms with you if you are up front and admit to having problems before they have to start chasing you.

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It may seem impossible to do anything romantic when you are in Debt, you can’t take a date or loved one to the poshest restaurant in town, but who said spending loads of money was the only way to show love.

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When you are struggling for money with debt repayment it can be very tempting to succumb to so called “easy options” such as ‘pay cheque’ loans or ‘pay day loans’ as they are sometimes called. This seems like a good option but whatever ever yo

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There are a lot of companies out there who try to scare you into purchasing policies from them when in reality you do not need them. By avoiding these schemes you can start managing debt by prioritising your spending.

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It’s good to have a holiday, it releases stress and puts a spring in your step but many people believe that their IVA debt repayments will hold them back. They are wrong.

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I begged and pleaded with my partner to buy me one of the kittens. He informed me to take into consideration, the costs of owning a pet. I thought to myself, what is twenty pounds and £2.50 a week on food. Never did I think it would be the icing on the

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If you have an IVA and your financial situation changes, the first thing you should do is notify your Insolvency Practitioner (IP). It’s really important that you keep talking to your IP

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I find it extraordinary that I pay £350 a month on trains and don’t even get a seat. Yes the price for being a London commuter and living outside is high.

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We live in the times, when children expect a Nintendo Wii for ‘one’ of their Christmas presents, anything less just will not do. Research shows that the average Christmas shopper spends £384 on Christmas presents.

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You have left this world and stepped through the golden gate in the sky, your family are grieving your loss and after stumping up a on your funeral, they receive a call from your creditors asking for the thousands you have accumulated over the years.

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Debt is a never ending spiral that can get out of control. When you are feeling depressed or a bit low, it is a very common pattern to treat yourself to a shopping spree. Debt is a very disheartening circumstance to be in.

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I am a smoking; ironically I am also in debt. I have always thought of smoking as an expensive habit, but until today, I never realised the extremity of wasted money. I t really is in comparison to reaching into my pocket, pulling out a five pound note

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The main thing about struggling with your debts is that it can mount up and get worse. Some people, including myself, will fall into the trap of borrowing to make the payments on more borrowing. This should be the biggest alarm bell you will ever have and

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