http://www.whymoney.co.uk Blogging about money, debt and everything else in personal finance. Tue, 06 Jan 2009 15:22:31 +0000 http://backend.userland.com/rss092 en Hitting 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 ... http://www.whymoney.co.uk/2009/01/06/january-sales/ When 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 ... http://www.whymoney.co.uk/2008/12/01/getting-money-from-the-family/ 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 ... http://www.whymoney.co.uk/2008/11/20/does-money-bring-happiness/ With 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. When shopping, keep a look out for special offers, ... http://www.whymoney.co.uk/2008/10/23/make-a-saving-budget/ Living 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 ... http://www.whymoney.co.uk/2008/06/25/communication-will-help-debt-problems/ I 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 ... http://www.whymoney.co.uk/2008/06/17/hiding-debt/ Debt 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. This can be very stressful for some people so telling the people who need to know is vital. This includes ... http://www.whymoney.co.uk/2008/06/10/debt-and-communication/ Get 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 ... http://www.whymoney.co.uk/2008/05/23/don%e2%80%99t-wait-%e2%80%93-get-debt-help-right-now/ It 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. List all things you have to spend money on i.e. gas, electric, mortgage, then list all the things you want ... http://www.whymoney.co.uk/2008/05/06/light-at-the-end-of-the-debt-tunnel/ 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 ... http://www.whymoney.co.uk/2008/05/01/borrowing-money-to-study/