Can I still go on holiday if I’m in debt?

posted by Jenn Snowden in Budgeting Leave a comment

The summer holiday. It’s the pinnacle of the great British summer when we down our tools and rejoice in the precious few days of warm weather we tend to get. We return rested and recharged, probably plumper and a little sunburnt.

When you’re trying to be savvy with your money, a holiday – even a short camping trip – can seem like an extravagance. No matter what your financial situation, fun, leisure and the forging of happy memories with loved ones are so important. With that in mind, we’ve got some ideas on how you can get away from it all for less than you think.

But first, a quick history lesson on the great British getaway…

seaside and seagull

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Renting lessons I’ve learned the hard way

posted by Jenny in Living with debt Leave a comment

I’ve rented many houses in my time. From rat-infested terraces, to slug-populated basements and mould-filled houses with a sprinkling of damp.

What can I say? It’s been a learning curve.

terraced houses

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Can I get a car when I’m in debt?

posted by Becca in Living with debt 12 Comments

Disclaimer: If you’re currently on a debt solution you may be breaking the terms of your agreement by taking out new credit. You should call your debt solution provider first to discuss any additional credit that you might be considering.

When you’re living with debt it’s important to keep your transport costs under control. But what if your car breaks down? What if you need one for work? Or you want a second car for your family? Can you buy a car? It’s something we get asked every day. 

Because everyone’s situation is different there’s no easy answer to this question. You can buy a car when you’re in debt but we recommend that you consider the following first…

car on road

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Should I be worried about my credit rating while on a DMP?

posted by James in Living with debt 50 Comments

Our advisors have been giving debt advice for over 25 years. In that time they’ve talked to people from every walk of life who’ve fallen into difficulty with their finances.

Over the years we’ve spoken to lots of people who feel like having a good credit rating is a sign that they’re a good person.

They therefore think that by damaging their credit rating this will somehow make them a bad person.

We’ve never believed this viewpoint, and we don’t think you should either.

Can I get a car when I'm in debt

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5 achievable ways to reduce stress

posted by Jenn Snowden in Living with debt Leave a comment

We all know the benefits of reducing our stress levels. The problem is, it’s much easier said than done, especially if you’re already feeling the pressure.

With this in mind, we’ve put together some tips for reducing stress in your everyday life. First, let’s take a look at what stress is and why it shows up in our lives…

walk in nature

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The truth about not paying your debts

posted by Matthew in Living with debt Leave a comment

This page contains information about debt solutions available in England, Wales and Northern Ireland. Debt advice in Scotland involves similar but different solutions. Before considering an IVA as a debt solution, please make sure you fully understand the risks involved when entering an IVA.

Most people who suffer with debt problems have lots of things in common, one of them being that they want to pay their debts off but can’t.

Every now and again we come across people who think that by ignoring their debt, it’ll go away. They may have heard it from a friend or family member, or read it on some (not always well-meaning) forum.

It can be tempting to take a cue from the ostrich, and bury your head in the sand to avoid your debts. However, pretending your problems don’t exist can cause a lot more harm and stress than seeking the support you need.

woman cake shop

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How to budget your money

posted by Becca in Budgeting Leave a comment

The first step to getting in control of your finances is to create a budget. This will help you understand what your income is, and what you’re spending your money on each month.

Let’s take a look at what budgeting is and go through a step-by-step guide to making a budget.

how to budget

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