|
|
Author ArchiveJanuary SalesHitting the shops for the January sales is a nightmare, apart from nearly being torn limb from limb by a crazed Scottish woman in John Lewis I have come out of it relatively unscathed but for most it can be one of the most stressful times of the year, our Christmas debt is still hanging [...] Getting money from the familyWhen you find yourself in debt, there are various options available. The Citizens’ Advice Bureau, along with several associations, offer free advice and this can help you negotiate with creditors. Other options available are short-term loans, payday loans, along with paying the debt with your credit card. The easiest way of paying a debt might [...] Does money bring happiness?Does money bring happiness? Well, I think we only have to look at the rich and famous to answer that question. Michael Jackson isn’t living what you’d call a normal life, and Madonna is discovering that you can’t buy everything you want. These are extreme examples, however, since most of us will never approach a [...] Make a saving budgetWith the food and petrol prices constantly rising in the face of the global financial crisis, cutting unnecessary spending and saving money is of ever increasing importance. By cutting out some luxuries from our lives we can avoid debt and save money. Communication will help debt problemsLiving under the weight of debt is hard.So first we need to start savings in various ways. Living under the weight of debt when concealing it from your partner is hellish, and that applies whether you are hiding all the debt from them or merely reducing it to a size which will make their consumption of it [...] Hiding DebtI have lied to my partner about the level of debt I had. Although it wasn’t a lot, I had money on credit cards that I wasn’t paying off. I could meet the minimum repayments, and a little bit more, but at that rate the card was going to take years to be paid off. Debt and communicationDebt has had a stigma of shame attached to it for many years but more and more people are finding themselves in some form of debt at one time or another. Don’t wait – get debt help right nowGet debt advice now. Anyone who has serious debts that are unsecured should really get some professional help and advice before risking a bankruptcy. An IVA can be a good solution. Ideally this should be from an organisation such as the Citizen’s Advice Bureau or the Debt Helpline, which offer impartial advice on managing finances [...] Light at the end of the debt tunnelIt is so easy to get into debt, but not as easy to get out of debt. The first thing you need to do is set a realistic household budget. Under Pinning a Misserable SocietyOver 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 [...] |
|
