Debt & Credit Information

How To Build Good Credit How To Build Good Credit

Credit comes with pitfalls. We are told this regularly and for many people it seems... 

How To Turn Things Around How To Turn Things Around

It is a very rare kind of person that does not have money problems at some point... 

Unsecured Credit – You Still May Lose More Than You Gain Unsecured Credit – You Still May Lose More Than You Gain

Although there are obvious pitfalls to taking out a mortgage or a new car loan which... 

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Debt & Credit Tips

Living Debt Free Living Debt Free

There is an increasingly widely held impression in society today that in order to... 

Sometimes Counseling Can Help Sometimes Counseling Can Help

The word “counseling” is one that can trigger some pretty extreme reactions in... 

A Debt Management Plan Could Be Your Salvation A Debt Management Plan Could Be Your Salvation

Although we as a society have become used to the potential pitfalls of irresponsible... 

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Debt & Credit Free

Secured Loans – The Pitfalls Secured Loans – The Pitfalls

Taking out a loan for a small amount to pay for a purchase that is just outside your usual spending power should be quite a manageable situation. If you take the loan out at a reasonable rate of interest over a decent term then you should be able to make the repayments even if you find yourself out of work for a period. However it is a different story... [Read more of this article]

Is a Loan the Way To Go? Is a Loan the Way To Go?

In the society in which we live, we all see from day to day people who have possessions which we would like to own for ourselves. Unfortunately, budgetary concerns make this impossible, in some cases. To overcome this situation, more and more people are looking at taking out personal loans as a way of raising the money to fund their purchases. Of course,... [Read more of this article]

Is Life Fantastic With Plastic? Is Life Fantastic With Plastic?

We in society have become used to using plastic cards to pay for our purchases, because it promises convenience, speed and reassurance about our situation. While today we may not have the money to pay for that stereo or that holiday, a quick call to a bank can be all it takes to allow you to make the purchase one day and worry about paying it off in... [Read more of this article]

Where The Banks Have Gone Wrong Where The Banks Have Gone Wrong

It would be very simplistic to place the blame for the global financial crisis at the door of one financial sector, or at the feet of any organisation operating within that sector. The reason why the finances of so many major countries are now unstable cannot be pinned down to one thing, but part of it is certainly attributable to unwise lending by... [Read more of this article]

Irresponsible Lending, Spending and Borrowing Irresponsible Lending, Spending and Borrowing

One of the major criticisms of banks which emerged as the extent of the global credit crisis became clear to everyone was that they lent money irresponsibly to too many people. Most of us, if offered the chance to have a spending pot of more money than we earn in a month, would be sorely tempted. And maybe that is the problem. There are those who argue... [Read more of this article]

Can You Get Credit? Can You Get Credit?

One thing that has been made very clear to people over the last few years is that taking out credit comes with some risks attached. If you are borrowing either on a credit card or a loan, it really is not advisable to borrow “as much as you can”, when the amount that you can borrow tends to be dictated by the bank or institution from which you borrow... [Read more of this article]

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