Archive for April, 2008

Under Pinning a Misserable Society

Over the last twenty years, a degree has changed from being something available to the most intelligent, into being a low-grade qualification available to almost all. One result of this has been the devaluing of the degree’s status, whilst another has been the inability of the economy to provide free tuition to those studying as [...]

Student Loans

Student loans are the cheapest loan youll ever get. The interest charged is the rate of inflation which means, while there is interest on them, its so low that what you pay back is the same VALUE (in terms of what you could buy with the money on that particular day) as when you took [...]

Credit Cards in Real Life

When i didn’t have one a credit cards and looked around that every friend of mine got atleast one i got curious and finally managed one.And after i have one i really didn’t need to use this or you can say didn’t find a proper way to use this and told myself off for having [...]

Credit Cards - How Do You Use Yours?

Credit cards are a reality of modern living. Most of us have at least one and, used properly they can help us control our finances efficiently.
When you choose a credit card you need to have decided how you intend to use it. Are you looking for cheap short-term credit? Then a 0% balance transfer card [...]

It’s More Than Just the APR!

Provided that you have good credit you should be able to choose the most best card available. The main factor many people look for is a competitive rate of APR, but there are a number of other important considerations. The best thing to do is ensure that you repay your outstanding balance in full as [...]

A fantastic last end solution

An IVA is a fantastic way to pay off your debt. Usually you need to owe in excess of £10,000 and not be able to afford your minimum payment every month. What an IVA is is that it takes into account all your incomings and your outgoings (including money for you to have a social [...]

maybe too good to be true

If you are struggling with debt and don’t know what to do, an IVA can help, but the most important thing to do is get some good advice.
An IVA Individual Voluntary Arrangement is a way of negotiating with your creditors a fair and affordable amount of money to pay to them over a fixed period [...]

iva not what it seems

I remember seeing the IVA adverts on the television i was 21 (i’m 24 now) and i was in a right old financial pickle
The way that these company sell themselves make it seem as if they are a one stop magic solution to all your financial woes so i picked up the phone and dialled
I [...]

IVA companies

My experience of an IVA? No personal experience, thank Heavens. But I have more knowledge than the average person as I used to run a charity which gives debt advice.
You do NOT need to go to a commercial company to set up an IVA. If you have debt problems, you can either go to your [...]

Is an IVA too good to be thrue?

In some cases an IVA can be very good, and in others it can be very bad. Some credit companies will lose out big time, and it means hiking up the interest rates for other people, where as some people genuinely need to take one as they have severely over spent, and will get further [...]

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