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Get Debt Advice - Arrange an IVA
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.
Save Money - Debt Tips in Romance
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.
Struggling With Debt Repayments? Avoid Pay Day Loans
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
Insurance Policy Scams – Do Not Help Your Debt
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.
Going On Holiday While In Debt
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.
Changing circumstances while on IVA
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
Could The Prices of Trains factor in Debt?
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.
Overspending on Offspring
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.
Become Smoke Free to Become Debt Free
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
Stop Borrowing to Pay off the Borrowing
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
Advantages Of The IVA
IVA stands for Individual Voluntary Arrangement. It is often thought of as an alternative to bankruptcy. In certain circumstances an IVA can be a more suitable alternative to bankruptcy. An IVA carries the following advantages:
Consolidate and Watch The Pennies
First step: STOP! Look at your outgoings. If there’s something you are spending that you can stop, then stop it. Cut down your spending as much as you possibly can before taking any steps to consolidate debts
Starting Points to Escape Debt
Debt can be a de-motivating factor in a person’s life that can keep one from getting a good night’s sleep. It doesn’t mean that debt should be never ending spiral. There are several methods to escape from debt. Here are some important starting point
Gas Debt On The Increase
Just when you thought the cost of your energy bills couldn’t get any higher; Debt looms on the horizon as the cost of gas threatens to rise.
When The Chips Are Down - Debt Goes Up
Recent bad weather has had a significant effect on our everyday lives, including food prices, which already contribute to Debt on a weekly basis.
State Pension Should Increase To Curb Debt
The only way to reduce debt for the elderly is to increase their state pension by at least 50%. Debt help should come in the form of free impartial advice. There are 'not for profit' organizations and charities that want to help you find the right Debt so
The Introvert Spender Doesn’t Face Debt
For many of us, debt is just a way of life but for others, the fear of debt entering their lives can be a nightmare. Introvert spenders are often embarrassed by their carefulness with money and fear that people will label them boring and unadventurous.
iva standards
The new set of standards are now in force and means that borrowers can look for an IVA safe in the knowledge that they have the protection of set industry standards for companies who advertise, offer debt advice and provide information and documentation.
Account Aimed at Young Workers - Could Cause Debt!
The Alliance and Leicester Premier 21 Account seems like a good package on the surface but are there hidden flaws, which could force young people into debt? One thing the bank does not advertise is the fact that a minimum payment of £250 must be paid int
The Price of Living Could Lead to An IVA
There is no hiding from the ever-increasing price of living in the UK. Inflation is running at 2.2%, but the retail price index, another measure, puts inflation at 4.1%. speak to an IVA specialist and they will give you free, independent advice.
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