Budgeting and Debt
Also see credit crunch news
Debtline callers rise to more than 750 a day
Calls for advice to the National Debtline have increased by more than 40% - from about 16,000 a month in November 2007 to 23,000 in November 2008.
Pensions: when should I start one?
Without loans and credit, the world would not have advanced so much since the second world war. Arguably, people would still be yoked to a agricultural based economy and we would still be doffing our caps to the local landowners.
Loans: what is the risk?
Without loans and credit, the world would not have advanced so much since the second world war. Arguably, people would still be yoked to a agricultural based economy and we would still be doffing our caps to the local landowners.
Top Ten Ways to Save Money
If you really want to save money, then possibly the best approach is to take a long hard look at your lifestyle, see where your hard-earned money is going and then see if you can make some savings.
The 3 bucket theory of money management
A great personal tool to use in planning your budget, savings and investments is the three bucket theory. It's so simply and yet so devastatingly effective...
The tax payer is protected...it’s just wage earners and investors that are on the hook
The £500bn ($875bn) bailout in the UK of the banking system has implications for the people of the UK, but probably not the tax payers...
The transient nature of economic centres of influence
Things change....that’s the nature of our existence on the blue marble inside the bubble of the universe. Galaxies, Stars, planets, continents, coastlines and countries change...
UK Poverty Line
The campaign to end child poverty claims that 5.5m children are living close to or beneath the child poverty line in the UK...
Types of Bank Accounts
Personal bank accounts are for day-to-day money management and a place to keep cash for quick and easy access...
Types of Loans
Everyone needs to borrow some money at some time or another – whether for a big purchase like a house or the occasional celebration or luxury like a wedding or holiday...
Payday Loans
Finance watchdogs are about to tighten the rules on payday loans as the first stage of an investigation in to irresponsible lending comes to a close...
Mortgages
Mortgages are not complicated – simply borrow money and pay the cash back with interest over an agreed period...
Business Bank Accounts
If you are in business, you must have business bank accounts to manage money coming in from customers and money paid out to staff and suppliers...
Savings Accounts
If you have money to spare out of your wages after paying your bills, consider saving some as a cushion for unexpected bills, like repairs to your house or car...
Reclaiming Unfair Bank Charges
The fight between financial watchdog The Office of Fair Trading and banks over billions of pounds creamed off customer accounts as unfair bank charges is rumbling on...
Credit Card Comparisons
It wasn’t too long ago that the only people who issued credit cards were banks, and generally only to customers of the bank alone. Now it seems that just about everyone except banks issue credit cards...
Creating A Budget
In the credit crunch age, creating a budget and sticking to it is a must. Yet doing so is easier said than done...
Debt Consolidation Companies
Being in debt can be a very traumatic experience. During the past twelve to eighteen months many UK families have found themselves in a situation where their personal finance situation has gradually begun to spiral out of control...
Saving Money
Why do people save money? In those uncertain financial times, this is a question that is on everyone’s lips. Money seems to be devaluing at an alarming rate, with sterling being the hardest hit...
Individual Voluntary Arrangements (IVA)
Individual Voluntary Arrangements or IVA as it is generally known describes the agreement reached between an individual who has considerable unsecured debts which he or she is unable to pay and their creditors...
Identity Theft Insurance
While identity theft is a threat to us all, nowadays people who regularly shop on or off line are much more aware of the risks than they were in the early days of the internet and in dealing with credit card transaction in general...
How To Improve Your Credit Score
At one time, and not so long ago, people who were savers by nature described the act as “putting money away for a rainy day”. Sadly saving seems to have gone slightly out of fashion in today’s’ credit driven age...
How To Cope With Debt
Most people are in debt. It’s no crime. Even the act of buying a newspaper means that you are running up a debt. From the moment that you pick up the newspaper till you pay for it, you are theoretically in debt to the newspaper vendor...
Pre-Pay Credit Cards
In answer to the question “how much will it cost me to have a pre-pay credit card?” in too many cases the answer might be a question in itself” how much wills it cost you not to have one?”...
The Cost Of A Pre Pay Credit Card
Pre pay credit card is an alternative to credit card and debit card. Here, you need to load the pre pay card with any specific amount and then use it to make purchases or pay the bills...
IVA Explained
IVA or Individual Voluntary Arrangement is a formal (legal) debt solution or lawful binding arrangements that permit you to pay back all the debts in reasonable monthly payments...
In Debt - What You Should Do?
Many people find great difficulty, while dealing with debt related issues. Some of them even think of filing for bankruptcy as the final and only solution to get rid of debt issues...
Improving Your Credit Score:
You can follow easy steps to improve your credit score. Many people follow certain simple advice or tips to bring about improvement in the overall credit score...
Identity Theft Insurance - Is It Worth It?
However, with identity theft insurance, it is now possible to protect yourself from such type of intrusion. Identity theft insurance will help you to resolve any doubtful activities, thereby giving you a mental harmony...
Getting the Most from Your Savings:
Savings account ensures that your money is safe in bank and you will obtain specific interest each month...
Debt Consolidation:
People incur debts due to various financial deficits. This is not an embarrassing situation. To have anything in excess is a part of human nature...
Creating A Budget And Sticking To It:
You can maintain your finances and stay away from debt in an effective manner by creating a budget and maintaining or sticking to it....
Comparing Credit Cards:
The major use of credit cards is mainly for purchase of products and services. You may place an order either in person or from the comfort of your home....
Bank Charges Explained:
Bank charges are specific fees set by the bank, when you fail to follow the agreed terms of the bank. When you approach any bank to open an account or apply for a credit card, you have to enter into an agreement and abide by that bank's rules...
Financial planning for a brighter future
If we all had a penny for every person that said “if I knew then what I know now” we would all be a lot better off than we are now. However if you examine that statement it makes no sense, because situations change, especially over the course of a lifetime....
Building collateral - ways to improve your borrowing potential
If you are looking for ways to improve your chances of receiving a loan, the best option is to build your collateral in order to show the lender that you have a strong financial history and are a dedicated to repaying the loan...
Lending has come a long way: advancements in loan services
The lending business has come a long way from the days of illegal loan sharks and shady business transactions...
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There are many different types of Current accounts with deals including cash- back welcome gifts, high interest rates and low APR overdraft facilities.
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There are many different types of Saving accounts with instant access, great
interest rates, or tax-free
savings accounts for your
savings to grow.
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Business accounts - can offer a wide range of benefits including free banking, dedicated local business manager, phone or online banking.
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