Tag Archives: stress

A friend in need…what to do if someone you know is in debt

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Don't let your friend suffer in silence any longer.

Don’t let your friend suffer in silence any longer.

You’ve known for a while now that someone you care about is going through a rough patch with money.

Their face is constantly tight with worry and there’s a stack of bills on their side table. You can’t have a five-minute conversation without their phone ringing, and every time it does they let out a world-weary sigh.

There could be a whole host of reasons why they’re struggling, some you may not even be aware of. Maybe they recently had their hours cut at work, or their partner walked out. Perhaps their household expenses have been creeping up in price over time (you no doubt know yourself how expensive things are these days). You want to help but don’t know how.

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Don’t fall out with family and friends over money

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If you’re on a debt solution with us, get in touch with us before borrowing money off a loved one. It might be possible to reduce your payments to your debts temporarily to cover any emergency expenses.

No one wants to fall out with someone they care about over money.

Back in September 2016, our research showed how debt can damage relationships. Sometimes the person lending the money is struggling too.

 

This added pressure could result in the person lending the money blaming the borrower for their difficulties, which can damage relationships.

With this in mind, let’s look at the alternatives to borrowing money from your loved ones.

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Scam alert! Have you had an email notice to appear in court?

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Woman worried about spam email

Have you received a worrying email?

Spam emails containing viruses aren’t a new invention – they’ve been used by criminals online since the dawn of time. Well, since the dawn of the internet at least.

Although there’s more technology to help us spot spam emails these days, unfortunately they continue to wreak havoc in people’s lives. As well as causing fear and playing with emotions, they wreck computers and drain bank accounts.

Luckily, this isn’t something clients tell us they experience often. But when they do, we want to make sure you’re aware too.

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How to talk about money with your partner

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Talk about cash without the conflict

Talk about cash without the conflict

Our Need to Sleep campaign highlighted that 7.4 million people across the UK have trouble sleeping at night because of money worries. As well as affecting your sleep, it can impact on your health, job, and relationships. In fact, almost 30% go on to say that worrying about their financial situation affects their relationship with their partner or spouse.

That’s why we’ve invited Anjula Mutanda, ambassador for the relationships service Relate to give us her top tips to talk about cash without causing conflict. Take it away, Anjula!

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5 great reasons to get out of debt

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IVA tips

There’s no time like the present to deal with your debts

Over the years we’ve found that people want to get out of debt for a whole host of reasons.

From buying a house to being able to save up for a rainy day, there’s no one-size-fits-all motivation when it comes to debt advice.

Nobody likes problem debt, but sometimes we need a bit more encouragement to get going and make debt freedom a reality. If you’re done with being in debt but need some inspiration, would these help your resolve?

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Cheryl’s debt free story – a year on

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Cheryl is one of our clients that we helped through the forums on moneysavingexpert.com and Debt Remedy. It’s been a year since she started her DMP with us. Let’s see how she’s getting on…

What a difference a year makes...

What a difference a year makes…

It’s been 12 months since I first contacted StepChange Debt Charity and what a 12 months it’s been. When you get yourself in such a pickle with debt problems, it can be hard to see a way out. Dealing every day with calls, letters and bills can put you in constant panic mode.

Imagine my relief when I was barely a month into my plan and suddenly free of hassle. It felt like a lightbulb had been switched on. I still remember however how I felt while setting up my debt management plan

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Get debt help this weekend

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Start your debt free journey this weekend

Start your debt free journey this weekend

For many of us, the words ‘Saturday night’ can conjure up a whole host of thoughts, from that dodgy 90s dance track Whigfield did to the solace of knowing we may be in line to enjoy a lovely lie-in on Sunday morning.

For others however, the weekend’s the only window of opportunity they have to get help with debt.

Imagine our surprise when we recently discovered that over 17,000 people have used our online advice tool Debt Remedy on a Saturday or Sunday since the start of the year. It made us wonder why this might be – we think there are four main reasons…

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