Money Management

Why Your Creditors Revise Payment Terms On Your Debt

Topic: Money Management | Posted: 2 years 38 weeks
Many people are unable to deal with the scale of the debt they have accumulated; debt can be very insidious in how it grows not only with day-to-day use of a credit card or overdraft facility, but the hikes in interest rates, additional fees and charges and the affect can be adversely multiplied if you fall behind with payments – a returned cheque or direct debit for a few pounds can incu

The Anatomy of a Self-Destructive Attitude Towards Money

Topic: Money Management | Posted: 3 years 5 weeks
For the most part, debt isn’t something that just happens by mistake. There’s something you did or didn’t do that brought on the debt. If you want to get out of debt and stay out, you have to take a look at what caused you to get into debt in the first place.

Paying Off Debt on Your Own

Topic: Money Management | Posted: 3 years 4 weeks
There are a few ways you can get help with your debt – a debt management plan, an IVA, or bankruptcy. However, all of those options come at some cost.

What are Arrears?
Submitted on: 5th Nov 2008 by Non-Member | Total Answers: 1

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A Crunched Christmas Gift Ideas: Create Your Own Experience

Topic: Money Management | Posted: 3 years 8 weeks
Companies like Red Letter Days and Virgin's Experience Days have become increasingly popular as gifts. If you're unfamiliar, these companies basically offer experiences – such as driving a rally car or a wine tasting afternoon – all wrapped into one neat, gift-sized bundle.

A Crunched Christmas: Buying Gifts

Topic: Money Management | Posted: 3 years 8 weeks
A recent study by Halifax revealed that the average shopper spends £384 on gifts – and gifts alone – at Christmas, a figure which is nothing short of astonishing. Now with the economic crisis upon us, it's more important than ever to try and slash that figure – while still giving good quality gifts that will be treasured for years to come.

Know Where You Stand with Debt

Topic: Money Management | Posted: 2 years 37 weeks
It does not take much to push a good paying customer who has stuck by their debt repayments to suddenly fall behind a couple of months and even more. Losing a job is an obvious reason but it can be many others too such as loss of overtime or reduced bonuses, illness causing loss of income or increased expenses for a variety of reasons such as a new child or car repair costs.

Talk About Saving – Let’s help each other save

Topic: Money Management | Posted: 3 years 16 weeks
If ever there was a time to save as much cash as possible it is now. It is also one of the best times to save money because businesses are feeling the squeeze so there are great deals around. You just need to know where to look. For example, Tesco have just sold cases of Carlesberg larger for £5 (saving £9.99 per case)!

CSA isnt taking into consideration the length ov time l was on sick
Submitted on: 30th Jan 2009 by Non-Member | Total Answers: 1

l got a csa bill through door to weeks ago, they are taking 95 a week of me 59 is back payment, l got rushed into hospital on 17th december got operated on 20th with 2 prolapsed discs, l phoned csa when l got my bill through to see if they would take the 5 weeks statutory sick pay into consideration, they told me l should ov informed them in dec when l was in hosp on morphine and 3 weeks before a

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Rebuilding a credit history and improve your credit rating with credit cards

Topic: Money Management | Posted: 3 years 12 weeks
MANY people who have had severe financial problems may have sworn that they will never use a credit card again. But not having a credit card can be as disadvantageous as having one and not paying off the interest each month.

The Best Tool for Paying Off Debt

Topic: Money Management | Posted: 3 years 8 weeks
If you think back to how you got into debt and why you can’t seem to get out of it, I bet both answers stem from the absence of one thing – a budget. A lot of people hate the word “budget” so I’m going to try to use it a lot to get you comfortable with the thought of having one.

Take on Debt You Can Handle

Topic: Money Management | Posted: 3 years 2 weeks
Do you know why you’re in debt? A recent survey here at Talk About Debt reveals that the majority of people (55%) are in debt because they took on more debt than they could handle. That’s not a hard problem to fix. While you can’t go back and change the way you did things the first time around, you could end up in debt again after you’ve worked hard to pay your way out.

my husband has left me and all our savings are in his name. Will I be able to claim half
Submitted on: 5th Sep 2009 by Non-Member | Total Answers: 0

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A New Year, A New Way to Think About Debt

Topic: Money Management | Posted: 3 years 5 weeks
I’m on the fence about New Year’s Resolutions. A lot of people make vague and lofty resolutions, and then forget about them by the end of January after seeing little or no progress made. If people made better resolutions, they’d be better able to keep them. Consider this New Year’s Resolution: I want to pay off debt.

My house completed 3 mths ago. I've now been asked to resign contracts my sols have lost?
Submitted on: 26th Jan 2009 by Non-Member | Total Answers: 1

I recently purchased a house in Kings Hill. This completed on the 24/10/08. My solicitors were useless and I had to constantly chase them in order to ensure that the transaction went through. Having been living in my new home for three months I have had to contact my solicitors again due to their errors.

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AER and why it's important for savers

Topic: Money Management | Posted: 3 years 13 weeks
AER stands for Annual Equivalent Rate. It is important if you’re a saver as it tells you the amount of interest you’re going to be paid on your savings. When it’s calculated it assumes that you will leave money and interest were left in the account. This is useful when comparing one savings account against another. If you know of any great deals around at the moment let us know.

With the drop in interest rates, when will I start to see a drop in my mortgage payments?
Submitted on: 28th Oct 2008 by Non-Member | Total Answers: 1

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What you need to know about APR

Topic: Money Management | Posted: 3 years 13 weeks
APR stands for Annual Percentage Rate. It’s a formula set by the Office of Fair Trading and ensures all published APR are calculated in the same way. Essentially an APR tells you how much interest you will pay on a loan in a year. It can be used to work how much the total cost of a loan will be. It helps you compare one loan or credit card against another.

How can I get P45, P60 and last pay advise?.
Submitted on: 14th Apr 2010 by Non-Member | Total Answers: 0

I enquire how can I get my p45, p60 and last pay advise. I have worked for a company in London, which I left last year. Since then, I have not been given my P45, P60 and last pay advise. I have asked for them several times to my managers. They said that they sended them to my last address where I don´t live any more.

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hi there, i have mortgage related question on finance (owed) and my new mortgage application
Submitted on: 26th Mar 2010 by Non-Member | Total Answers: 1

basically the company gave me a budget per month to get a car, i got one costing £360 pm but im now applying for a mortgage and this is holding me back. i havent spoken directly to the bank (used their online calculator!) but i wouldnt want to embaress myself first without knowing where i stand. i recieve each month thru my employers a standing order to cover the cost ofthe car.

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Will my mum lose her house over the divorce?
Submitted on: 15th Mar 2011 by Non-Member | Total Answers: 1

Hello :) my mum has file for a divorce and I am scared that my dad will want half of our house . He doesn't pay anything and doesn't even live in my house but his name is on it. I don't know what to do.

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Can a father be an additional card holder on his daughters credit card application?
Submitted on: 14th May 2011 by Non-Member | Total Answers: 1

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how can i get my wages if ive been refused a bank account?
Submitted on: 29th Aug 2011 by Non-Member | Total Answers: 1

i have been refused a bank account and need some sort of method for my wages as my employer cant pay me by cheque all the time. ?

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How can I buy out the other half of a jointly owned property with no large repayments?
Submitted on: 23rd Oct 2011 by Non-Member | Total Answers: 1

I am 55 years old and own half a house along with my late husband's daughters. I would like to buy them out and live there until I die. I have no children so am not bothered about what happens to my estate when I die. I work part time so only have a small income.

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