A New Year A New Year’s Resolution

New Year 2022

Here we are in 2022, a New Year, a new beginning, and hopefully not nursing a hangover. There is a lot of hope for the New Year, hope that we can get back to a new normal way of living. Of course there will be some changes, and financially it is being proposed we will […]

The Price You Pay For Being In Debt

What is the price you pay for being in debt? It is not your immortal Soul…..but there is a price. So what is the price or prices you pay for being in debt? I will only address two (2) here, but there are more. Interest and Charges For many people who are in debt and […]

Debt And Credit In a Digital Age

Sometimes I cast my mind back, back to a time when if you needed a loan, you went to your local bank, spoke to the Bank Manager or Loan Officer, completed a loan application and waited. You waited for the loan committee to meet, usually on a Wednesday, and they approved your loan. In some […]

I Need Some Advice On How To Handle My Debts Now That I Am Redundant.

Question Jon, I have £20,000 of debt from a few credit cards, and some consolidation loans. I tried to consolidate the credit card debt on 2 occasions but I just kept using the cards. I was on furlough due to the virus, but have now been made redundant. There are jobs to be had, but […]

Insuring And Protecting Oneself From Debt

There are many ways we can “find” ourselves in debt. It may be through over-extending ourselves by taking out too much credit, losing one’s job and not being able to afford to repay the debt we have, there are many ways to wake up and realise, we are in debt. There are also catastrophic events […]

How Do We Find Ourselves in Debt?

In answering this question, how do we find ourselves in debt, we don’t “find” ourselves in debt, debt is a process. And a process which can be a lengthy one. The Process That is Debt You get your first credit card. You go to university, and take out student loans. You need a loan to […]