Author Archive

Borrowing Money To Study

I think this actual depends on the type of student loan you have for example, there are: Tuition fee loans, maintenance loans, grants, and bursaries.
Many of these loans are joined together for instance you will get part tuition loan and past maintenance loan; in other words your tuition fee is paid or part paid and [...]

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 [...]

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 [...]

What IVA Is

An IVA is basically a payment plan set up between yourself and your creditors whereby you only pay what you can afford each month.
There are specialist agencies who set these up and the procedure basically is this: Firstly, you must owe £10,000 or more. You work out your incomings and outgoings per month. Whatever is [...]

Be careful when using your credit card

The single best piece of advice to anyone who has a credit card is to only use it if you can settle the balance in full at the end of the month. If you fail to do this, you will end up paying interest of upwards of 16%. If you only pay the minimum balance [...]