About James

James Winterbottom has been a debt advisor for six years. Away from work he is an amateur app developer and writes fiction. James is a lifelong supporter of Huddersfield Town football club, which suggests he is either very loyal or very daft. He also likes to talk about himself in the third person in bio pages.

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My most recent posts

Our top ten articles of 2016

posted by in Debt, Money maximising, Money saving Leave a comment

This year has been the busiest ever year for the MoneyAware blog. We’ve had more than 1.4 million visits to the site and the year’s not even finished yet!

We don’t like to blow our own trumpet but we’re pretty pleased about how many people we’ve been able to help with our articles.

Here’s a round-up of the most popular blogposts we’ve had in this bumper year for the blog.

Continue reading »

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How much is your overdraft costing you?

posted by in Debt, Debt Law Leave a comment

Do you know how much your bank charges if you go into your overdraft or if you go over your limit? Many of our clients pay hundreds of pounds to their bank as a result of unarranged overdraft charges. In some cases it can be more expensive to go into unarranged overdraft than it would cost to take out a payday loan.

We’ve carried out research that shows that overdraft charges are adding to the debt worries of our clients and the costs of having an overdraft might be higher than you’d expect. We believe that the FCA should take action to limit unarranged overdraft charges. Continue reading »

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7 things cats can teach us about money

posted by in Budgeting, Money saving 1 Comment

Animated pictures of cats are the lifeblood of the internet. It seems like everyone loves a cat GIF.

So we’ve decided to embrace our feline friends and consider the lessons we can learn about our finances from cats.

Continue reading »

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Debt and money news – August 2016

posted by in Debt Law, Economy Leave a comment

August is often referred to as the ’silly season’ for news stories, where the papers are full of whimsical stories.

That hasn’t stopped this month also being jam-packed full of goings-on in the world of debt and money news. Continue reading »

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Which organisations are treating our clients unfairly?

posted by in Collection Process, StepChange 7 Comments

People feel that they’re not being treated fairly by some of the companies they owe money to and borrow money from. That’s the message we received from our clients in our recent research into creditor and debt collector conduct.

Our research reveals the kinds of organisations that are most likely to make people feel unfairly treated, and the kind of unfair treatment they’re receiving. We’re campaigning for changes to be made in those organisations to help those in debt and to reduce unfair treatment.

Have you experienced similar issues to what we’ve found? Add a comment at the end of the article. Continue reading »

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How Brexit could affect your finances if you’re in debt

posted by in Debt Law, Economy Leave a comment

The people of the UK have spoken and have decided that we should leave the EU. There are endless articles online about the political ins and outs, arguing one side against the other. We’re going to sidestep the debate and instead investigate the practical implications of Brexit on your finances.

The short answer to how Brexit will affect the majority of people is this: things will probably carry on as normal, in the short term at least.

The long answer is a bit more complex…

The key thing to note is that very little has changed since the vote to leave the EU and it’s still too early to see what the long term impact of Brexit will be.

We do have a slightly better idea about where the potential changes to your finances could occur, based on short term predictions of the economy. So let’s take a look at the different areas that Brexit could affect you, and how soon these changes could happen. Continue reading »

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The simple trick that can slash your food bill

posted by in Budgeting, Money saving Leave a comment

There’s something you can do right now that will cut down food waste, save you money and make shopping easier. And it only takes about five to ten minutes a week to do.

It’s not a big secret; you don’t need anything more than a pen and paper, and you can get started right now.

This simple trick is this: making a weekly food plan.

It’s the kind of thing that many people recommend but few people actually stick to it. You plan out what meals you’re going to eat for the week ahead and use that as the basis for your shopping.

I’ve recommended following a food plan to hundreds of people over the years when giving debt advice but have only started doing it myself in the last few weeks. I’ve been really surprised by how this small change has made a big difference to my life and to my finances. Continue reading »

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