I Am Thinking Of Going Bankrupt

abandoned block of flats

Question I am unsure if you can advise me as I think I know what my only option is. I am or was a property developer, and bought a piece of land about 4 years ago, and had the existing houses demolished. They were just shells at that point. I had the land cleared and […]

I Am Concerned My Bad Credit Will Affect My Getting a Job

application form

Question I was made redundant a few years ago, before the pandemic, and could not find work until recently. During the time I was out of work I defaulted on 2 credit cards. I was only receiving Universal Credit as a benefit. I was paying the cards £1 a month each, but the defaults were […]

Where Can I Get Advice And Help On Paying Bills And Getting Out Of Debt?

advise light bulb

This is a question I get asked a lot over not just the years, but more in recent times. The economy and world is changing, and with the Pandemic throwing a spanner in the works, many people saw a loss, or reduction in income. Today we are facing epic inflation rates, and utilities are increasing, […]

The World Has Slowed Down

the world

Due to the pandemic and Covid, and now this resurgence in a new variant of the virus, so many people are testing positive and also need to self-isolate. This slows down the world. More and more we have moved towards an automated customer service routine. You need to ring up a company and more and […]

How To Deal With The Increase In Living Costs


If we are to believe what I/we have been reading, 2022 is going to be a more expensive year, around £1,200 more expensive per household than last year. In part to pay for the pandemic, in one way or another. Prices of just about everything is going to rise: Taxes Food Utilities Petrol The list […]

Is My Bounce Back Loan Fraud?

fraud sign

Question Hi I am very grateful for your website! I have a bounceback loan from Covid which is from my personal business account and also an overdraft on that same account and I would really like to try and write this debt off as I understand it is fraud. I understand the basics of the […]

Is 2022 Going To Be The Year Of The “Financial Squeeze”?

coins in a vise

2021 is coming to a close and already is being reported that 2022 is going to be the “year of the squeeze” financial for households. As if 2021 was not bad enough, between lock downs, furloughs, supply chain issues, job losses, shops and stores closing, you have to wonder, how could it get any worse!? […]

More “Circuit Breaker” Lock Downs And a Cashless Society

the world with a face mask on

As I write this, there is a lot going on here in and on our island. The devolved nations have imposed additional restrictions due to new variants of Covid. The governments are ramping up testing and vaccines for everyone. PCR testing to travel to certain countries is on a much larger scale. More and more […]

My Benefits Have Been Cut And I Don’t Know What To Do?


Question Jon, My benefits have been cut by the extra £20 a week, I lost my job due to the pandemic, and cannot afford to live, let alone pay the credit cards I have. I am at wit’s end as to how to handle this mess! Jane Answer Jane, While it is a difficult period […]