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David is a writer currently working in the dotcom industry.
- Debt - Debt Nation
06/02/2008 | Debt Consolidation
With the credit crunch hitting the UK economy, many borrowers and homeowners are feeling the squeeze of rising rates and unmanageable bills.
As more borrowers are struggling with debts – made up of credit cards, rises in energy bills and complications surrounding self-assessment payment deadlines, the numbers of calls to debt consolidation companies and charities that specialise in financial problems have increased as well. Read
- Loans - Looking for Loans: a Quick Guide
05/02/2008 | Loans
Some of us feel we need a little extra help when it comes to affording certain things – from cars to payments on a house.
And with a wide variety of different financial options to suit different spending plans, taking out a loan to help your finances has never been easier.
But what factors should you be on the lookout for when searching for loans? Read
- Debt - to Consolidate or not to Consolidate?
04/02/2008 | Debt Consolidation
The festive season is over, and you’ve gotten Christmas out of the way.
However, once those bills start coming through the letterbox you’ll begin to feel the pressure as you struggle to meet those repayments.
With a wide range of companies offering a range of debt management and debt consolidation services in order to help with festive debt, many are now turning to such schemes in order to free up some income for the household. Read
- Debt - Families Feeling the Squeeze
04/02/2008 | Debt Consolidation
As we see rises in taxes and the crippling credit crunch, family finances are being stretched to their limits. And a recent report has shown that families have been feeling the squeeze due to a range of factors, including stealth taxes.
A report carried out by a government think tank revealed that the average household is now paying £7,800 more tax than when Labour took power. Read
- Mortgages - Mortgage Debt
04/02/2008 | Mortgage
Research conducted by a homelessness charity has revealed that the number of people seeking help with financial difficulties has increased eightfold since last year.
The report was critical of the lack of resources and access to independent advice for those who fall into arrears, as well as showing the need for more resources to help homeowners struggling with household debts. Read
- Credit Cards - be Wary of Credit Criminals
01/02/2008 | Credit
As more of us now make use of the Internet for the purposes of shopping – from electronic goods to our weekly shop.
But according to research carried out by a group specialising in online identity, many individuals are finding themselves at risk of ‘cyber-crime’
But what can you do to help reduce such a risk, and keep your identity and the details of your credit cards and bank account safe from harm? Read
- Credit Cards - Post-christmas Survival Guide
31/01/2008 | Credit
So, Christmas is over and you’ve managed to get through the festive period with being able to (just about) afford all those presents and foodstuffs.
And before you know it, the credit card bill arrives on the doormat, and before you’ve even opened the envelope you have an idea of how bad it’s going to be.
But don’t panic, with a bit of careful planning you can organise your credit cards and help get your finances back on track. Read
- Mortgages - Waiting to Leave the Nest
30/01/2008 | Mortgage
With the housing market in the UK facing turbulent times, first-time buyers are finding it increasingly difficult to get their foot on the property ladder.
Despite a base rate cut this December, the cost of mortgages is increasing – with the recent credit crunch leading to changes in factors such as stricter lending rules, falling house prices and rising mortgage rates. Read
- Mortgages - How Times Have Changed
29/01/2008 | Mortgage
A recent study from the Office of National Statistics (ONS) has shown that homeowners in the UK are spending more of their budgets on the homes themselves, with less being dedicated to food and drink.
The survey focused on a wide range of information regarding household income, taking into account a range of lifestyle factors and their impact on spending habits – as compared to data collected 50 years ago. Read
- Credit Cards - Spending Survey
29/01/2008 | Credit
As the Christmas aftermath dawns on the UK economy, it is predicted that nearly 7 million people will end up paying more on the credit card debts they accumulated over the festive period.
According to a survey carried out by a leading financial website, the changes in consumer borrowing habits could indicate some worrying signs for the UK economy. Read
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