When you apply for loans, or other forms of personal finance, chances are that the lender will look at your credit record and your credit score. These two checks will play a part in determining whether your application is successful, and possibly the interest rate you will be charged – generally, the higher risk you [...]
Latest Debt Features
Loan sharks
Many people have found their finances stretched over the past year or two as the country entered the downturn. It may have been the higher costs of living, as fuel and food prices rose, or a reduced income, following redundancy or cuts in hours or commissions. Unfortunately, people turn to loan sharks to make ends [...]
Paying the unexpected
Despite our best intentions and careful budgeting, sometimes an unexpected expense rears its ugly head for which you simply don’t have enough savings in reserve. The simple truth of the matter is that life does go on – even in a recession. The credit crunch won’t stop your kids outgrowing their bikes or school uniforms [...]
Debt management
No matter how well-managed your finances, the current financial climate means it’s always worth keeping an eye on your debts, and reorganising them if it means a better deal. If you have a number of debts that you need to make payments on every month, one option is to take out a personal loan and [...]
Coming to market
Following a couple of years of tough economic conditions, most commentators now seem to think the UK is out of the worst. So does this mean it’s time to invest? A financial adviser could show you how to make the most of your money. The article will talk about the recovery and its potential opportunities, [...]
Plastic Fantastic
During these tough times you may instinctively avoid using your credit card, but this piece of plastic is still your friend if used effectively. Credit cards offer the flexibility to manage your purchases in line with your income and provide additional security and benefits that you don’t usually find with other payment methods. This security [...]
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