I know what you did last summer

I Know What You Did Last Summer

Last summer is gone, finito, smell you later. To be honest, for my fellow Mancunians and I it’s been over since June – they don’t call it the rainy city for nothing. But, when the sun did manage to stretch its neck and pop its head over the the wall of clouds, it brought the usual temptations. I’m going to…

We are fast becoming the generation of mindless waste, failing to learn many life skills along the way. Have you fallen into the trap?

Lost Life Skills: Why Don’t We Repair Things Anymore?

I come from a single parent household, mum, my two brothers and I, yet out of the three of my mum’s children, only I’m capable of even the simplest of household task, my brothers have absolutely zero life skills whatsoever, nowt, zilch, nada – utterly useless basically, probably as my mum is still wiping their arses for them living at…

Branded medicine is one of the biggest rip offs around, and the chances are you could have got it for a fraction of the price if you knew about checking the PL number. Never heard of a PL number? I'm not surprised, they don't exactly scream it from the roof tops as the cheeky, rip off merchant, pharmaceutical companies want you to continue to shop blind, spending way more than you ever needed to. In fact I'd put money on it that you have more than one of the exact same drug in your cupboards, but you've been lead to believe they are different and specific to your complaint. By the end of this article you'll never get stung by these little cretins ever again!

How Checking The PL Number Stops You Getting Ripped Off By Branded Medication

Branded medicine is one of the biggest rip offs around, and the chances are you could have got it for a fraction of the price if you knew about checking the PL number. Never heard of a PL number? I’m not surprised, they don’t exactly scream it from the roof tops as the cheeky, rip off merchant, pharmaceutical companies want…

Anyone can fall on hard times and find themselves in debt, and if you've had notice of impending attachment of earnings order you should know exactly what you're dealing with. Life can throw up many different crappy circumstances, unannounced, unwanted, and out of our control. If it does, burying your head is the last thing you should be considering. Debt is a bitch that needs to be tackled head on, make no mistake about that. The fact of the matter is if you have outstanding debt, one or more of your creditors could take court action against you and obtain a County Court Judgment (CCJ) or another court order. In a nutshell, a court order means you must pay the money owed back either in instalments or in full by an agreed date. Should you fail to meet the requirements of the court order, your creditor can crack on with taking further action against you to retrieve the cash you owe. There are several ways they can go about doing this. If you’re working, your creditor could well try to obtain a court order that takes money from your wages which is paid directly to them - you have no say, not a peep, it'll never hit your bank. This is what they call an attachment of earnings. I'm going to give you a no nonsense guide of what happens if your creditor(s) apply for an attachment of earnings order and if there is anything you can do to prevent, or change the terms of the order. If you've got this far, you know you need some help, so please keep reading on and leave here today knowing what you're going to do to sort this.

What Is An Attachment Of Earnings?

Anyone can fall on hard times and find themselves in debt, and if you’ve had notice of impending attachment of earnings order you should know exactly what you’re dealing with. Life can throw up many different crappy circumstances, unannounced, unwanted, and out of our control. If it does, burying your head is the last thing you should be considering. Debt is…

On average, the payout for a PPI claim is approximately £3000 — and there’s a likelihood that you’ll be owed a similar amount. That figure alone should be all the motivation needed to at least check if you’re owed PPI, but that’s not the only reason to keep in mind…

Why Now Is the Time to Check If You’re Owed PPI

On average, the payout for a PPI claim is approximately £3000 — and there’s a likelihood that you’ll be owed a similar amount. That figure alone should be all the motivation needed to at least check if you’re owed PPI, but that’s not the only reason to keep in mind… You will likely have already heard of Payment Protection Insurance…

A bailiff has the right to take away some of your possessions, with the exception being anything you cannot live or work without. They can sell any possessions they lift from your home to raise money that is paid to your creditors for your outstanding debt.  As I mentioned earlier, they can be a court official or employed by a private company. Bailiffs usually won’t get involved unless the case has already been to court and you were unable to come to an agreement with your creditors.

How To Deal With Bailiffs And Debt Collectors

If you’ve received notification that you have bailiff action coming your way, you need to clue yourself up about what powers bailiffs have, quickly. Put aside any notions about burying your head, you need to move extremely swiftly in dealing with bailiffs and debt collectors.    I’m going to need you to forget what Janet from around the corner told…

Debt can be all consuming if left to get out of control. But, how can you tell if your debts have become a problem that you need help with?

How Do You Know You Have Debt Problems?

Do you know what debt is? Sounds like a silly question right? But, you’d be surprised how many of us don’t understand the meaning of it enough to recognise whether it has become a problem. A simple definition of debt  is a sum of money that is owed or due, a financial obligation that you are bound to pay back….

I was honoured to be asked to appear as a guest thrifty, money saver on BBC 1's Right on the Money with Denise and Dom. Here's what we discussed!

My Guest Appearance On BBC’s Right On The Money

After strutting out of my previous job back in April, my second day in the world of self-employment was spent appearing as a thrifty, money saving ninja on BBC’s Right On The Money. If you’ve never tuned into the show before, it’s a programme on BBC 1 presented by Dom Littlewood and one of my all time sporting heroes Denise…

Would you risk pissing someone off to prevent them from committing financial suicide?

Would You Be Willing To Upset A Friend To Stop Them Committing Financial Suicide?

As a money blogger and a former employee of the debt industry, I’m in a fair few money related Facebook groups. If someone has a financial related query I’m happy to offer the best advice I can, if I don’t know the answer I’ll keep schtum and try and point them in the right direction for the correct advice. Facebook…

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