Debt Community

This is where we publish blog posts, articles, research and other debt related information. You'll also find contributions from site users in the debt story section.

Tis The Season To Be Thrifty...!

Topic: Money Management | Posted: 5 weeks 2 days
It's easy to get carried away with festive cheer - and I don't just mean at your work Christmas party.   We tend to spend a lot more on going out around Christmas and New Year.   And on top of that, most of us have to buy presents for our loved ones - not to mention splash out on a family feast.   So it's h

Five Financial Scams You Need To Know About

Topic: Money Management | Posted: 7 weeks 3 days
Five financial scams you NEED to know about   Fraudsters use lots of cunning tricks to part you from your hard-earned cash. So it pays to keep up to date with the most common scams...   1.

Five top tips for cash-strapped students

Topic: Student Debt | Posted: 10 weeks 1 day
Five top tips for cash-strapped students   Heading off to university is the start of a new, exciting chapter in your life.

Credit cards: the good, the bad and the ugly

Topic: Money Management | Posted: 14 weeks 2 days
Credit cards: the good, the bad and the ugly Credit cards are bad news for people who have had debt problems, right? Well, not always.

Brits could face more debt problems if interest rates rise

Topic: Debt News | Posted: 16 weeks 2 days
More than 27,000 people became financially insolvent in England and Wales between April and June this year, according to the latest figures from the Insolvency Service.

Heading to the sun? We have some travel insurance tips right here.

Topic: Money Saving Tips | Posted: 22 weeks 2 days
Taking out travel insurance is just as important as remembering your passport and tickets when you are heading off on holiday.   That's the message being sent out by the Foreign & Commonwealth Office (FCO) and the Association of British Travel Agents (ABTA), which have conducted research indicating that almost four in ten younger Britons think otherwise.

Will A Hike In Interest Rates Affect Your Mortgage?

Topic: Money Management | Posted: 24 weeks 2 days
Interest rates are going up - but when will the hike come and how will it affect you?   Those are the questions worrying millions of Britons with variable-rate mortgages that will become more expensive when the Bank of England decides to increase the base rate from its current low level of 0.5%.   Here, we explain why rates are likely to go up

How Will You Survive Financially When You Stop Working?

Topic: Money Management | Posted: 25 weeks 2 days
How will you survive financially when you stop working?   The State Pension alone, which is currently worth a maximum of £113.10 a week, won't be enough to provide you with a comfortable standard of living once you retire.

Life After Bankruptcy

Topic: Bankruptcy | Posted: 25 weeks 6 days
Life after bankruptcy   Going bankrupt is often the only solution for people with serious debt problems.

How To Cut The Cost Of A Wedding

Topic: Money Saving Tips | Posted: 29 weeks 2 days
How to cut the cost of a wedding Getting married is a big event in anyone’s life, and all brides and grooms want things to be as perfect as possible on their big day.

Get The Best Deal On Your Travel Money

Topic: Money Saving Tips | Posted: 29 weeks 2 days
Get the best deal on your travel money   The pound has jumped by some 5% against the euro in the last year, making European holidays more affordable. But the strength of the pound will only help to make your summer holiday cheaper if you scout out the best exchange rate and avoid costly credit and debit card charges.  

When The Bailiffs Come Knocking...

Topic: Bailiffs | Posted: 32 weeks 6 days
  Being hounded by bailiffs can feel like a living nightmare. But knowing your rights will help you to manage the situation - even if you do not have the money to pay them to go away.   Here, we explain why bailiffs might come knocking at your door, and look at what you can do to protect yourself and your belongings.  

Energy Saving Tips

Topic: Money Saving Tips | Posted: 34 weeks 1 day
Just one in five consumers trust energy companies to tell them the truth, according to recent figures from consumer group Which?.   However, the good news is that new rules mean energy companies must now provide clearer and more detailed information that allows you to see exactly how much you are paying for what.   From this month, gas and ele

How to improve your credit score

Topic: Credit Rating | Posted: 35 weeks 2 days
  Your credit score is what makes the difference between you being accepted or rejected for a credit card, mortgage or loan.   So making your credit file as attractive as possible to banks and other lenders is hugely important. There's no need to despair if past debt problems have damaged your credit score, though.  

Switching your current bank account could save you money

Topic: Banks | Posted: 35 weeks 4 days
  More than half of Britons never change their bank and stick with the same current account through thick and thin, according to new research from vouchers website TopCashback.   But current accounts have changed a lot over the last few years, meaning anyone who fails to shop around for a better deal is almost certainly losing out financially.

A Quick Guide to Home Insurance And How You Can Save Money

Topic: Money Saving Tips | Posted: 40 weeks 2 days
What with all the horrifying images of waterlogged Britain in the media at the moment, it's easy to imagine how devastated you would be if your home was flooded.   Even with home insurance in place, the consequences of a disaster such as a flood or a fire can be horrendous.

Talkaboutdebt's Quick Guide to Debt Solutions

Topic: Debt Management | Posted: 42 weeks 3 days
UK households now owe close to £1.5 trillion on credit cards, loans and mortgages, according to figures from the Bank of England.   And many of those deepest in debt are struggling to cope with their repayments.   Here, we put the spotlight on the various debt solutions on offer from free debt advice organisations such as Debt Advice Fou

TalkaboutDebt Top 10 Money Saving Apps

Topic: Money Saving Tips | Posted: 43 weeks 5 hours
There are some great money saving apps out there and we've come up with our Top 10 to help guide you through the maze of apps that are out there. We tell you where you can currently download them from, but be aware that some charge you to do this, so always shop around and check out the app reviews for the best ones to help you save money.  

The Perils Of Payday Loans

Topic: Misc. Debt | Posted: 44 weeks 4 hours
Millions of Britons have used payday loans to see them through a short-term cash flow crisis. But while month-long payday loans give you quick access to extra cash, they are an expensive way to borrow – particularly if you cannot repay the full amount by the due date.

TALKABOUTDEBT'S TOP 10 CHRISTMAS MONEY SAVING TIPS

Topic: Money Saving Tips | Posted: 1 year 9 hours
1. Make a budget  A typical family spends more than £820 on Christmas, according to YouGov - which just shows how important it is to budget in preparation. In fact, budgeting is a great habit to get into next year and the years after!

The nights are drawing in...so it's time to save energy and money!

Topic: Money Saving Tips | Posted: 1 year 10 weeks
It’s that time of year again…and is it me, or does time fly that much faster with every year that passes? We’re left with memories of hubbie burning the sausages on Summer barbeques and toddlers squealing in paddling pools. (Well, at least we had a Summer this year.)

Is the UK still living beyond its means?

Topic: Money Management | Posted: 1 year 14 weeks
      A report was published earlier this month by the Government backed Money Advice Service and I'm sorry to say that it doesn't make for happy reading. I've highlighted just some of the key points made:

Is an IVA or individual voluntary arrangement right for you?

Topic: IVA | Posted: 1 year 15 weeks
I was recently asked by Sarah Pennells, ex BBC journalist and founder of the wonderful SavvyWoman.co.uk website to write an article that would help those people struggling with debt problems to better understand how an Individual Voluntary Arrangement or IVA could help them depending on their personal circumstances.

Write about your personal debt experience

Topic: Misc. Debt | Posted: 4 years 44 weeks
We're encouraging you to write a short article about what it's like to be in debt based on your personal experience. The idea is simple - to encourage others who are in debt to learn from your experience and help them to realise that they're not alone with their own debt problems. Your article may include some of the following points: