Christmas is fast approaching, and so is the extra cost that comes with it. It can be stressful at the best of times, but if money’s tight there’s an extra layer of stress to deal with. We’ve already written about doing Christmas on a budget, but what about making extra cash for it?
We’ve talked in the past about ways you can use technology to help you budget, but there’s one particular bit of tech that’s been around for hundreds of years you can use too. The jam jar. Or, more accurately, a few jam jars.
My Grandma used this method to manage her household finances. She didn’t have a lot of money when she was younger, but she used jam-jar budgeting to keep track of her money and she always knew how much she had.
Did you hear the one about ‘writing off up to 80% your debts’? We have too. Unfortunately some of the myths about Individual Voluntary Arrangements (IVAs) can have very little to do with the reality.
These myths can confuse people considering an IVA as a solution to their debt problems, and those living on one. We’re here to help.
Let’s look at the most common misconceptions about IVAs and the facts behind the myths:
What’s everyone talking about in the world of debt and money? Here’s a round-up of the most important news this month…
Whether you’re taking the very first steps to repay your debt or are have been dealing with them for a while, it can be hard to keep a positive attitude. We’ve found some really useful ideas to stay motivated when getting out of debt.
Staying motivated can be difficult when there’s a lot to take in, plan for and keep on top of. But don’t worry; you can use these handy tips right away.
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.