common debt

Which Very Common Debt Isn’t On Your Credit Record?

This is a guest post by Sara Williams who blogs about everything to do with debt and credit ratings at Debt Camel. It’s natural to assume that all debts, or at least the important ones, will show on your credit file. There are three credit reference agencies in Britain – Experian, Equifax and Call Credit – so if you check your…

emergency fund

What I Would Do Without An Emergency Fund

22% of the UK population said they would need to borrow money to meet a £200 unexpected expense due to the lack of an emergency fund. Until the start of this year I had absolutely no money saved in an emergency fund. I had no debt, but I lived month-to-month, spending frivolously without too much thought to an emergency….

You hear the postman drop off your letters, you notice one that stands out - nooooooooo it's a utility bill! Having spent the last 11 months in a flat that has the bills included, I have to say it's been a welcomed break from seeing a utility bill. However, a recent survey by icount Money indicated that many Brits are struggling to keep up with the never ending rise in costs. On the infographic below you can see just how bleak this situation has got for many.

Why Brits Dread Seeing A Utility Bill

You hear the postman drop off your letters, you notice one that stands out – nooooooooo it’s a utility bill! Having spent the last 11 months in a flat that has the bills included, I have to say it’s been a welcomed break from seeing a utility bill.  However, a recent survey by icount Money indicated that many Brits…

BadDebtor

Why It’s Crazy Giving Money To BadDebtor

Working in the debt industry for a number for years it is no surprise to see the odd scam company like BadDebtor rock up now and again, preying on vulnerable people. Sickening as it is, these companies target people who have gone to hell and back with debt problems, making promises they have no intention of fulfilling. I was alerted to…

Consumerism: A Champagne Lifestyle On Lambrini Wages

Consumerism – just how did we get sucked into that? I have been a part of this little planet of ours stretching over almost three and half decades and I have seen major changes in attitudes to life, especially where money is concerned. As a child growing up in 80’s Britain, I was heavily influenced by my grandparents. We…

Debt Management

Debt Management: Have you been mis-sold?

Hot on the heels of mis-sold PPI and bank accounts, comes mis-sold Debt Management Plans. The Financial Conduct Authority (FCA) have identified that many Debt Management Programmes (DMP) could have been mis-sold to consumers. What is a Debt Management Plan? A Debt Management Plan is an informal debt solution which is primarily aimed at consumers who are struggling to…

store cards

Christmas Countdown – The Danger Of Store Cards.

Would you like a store card today? With just 13 weeks until Christmas, for many of us, the panic has already set in and we are considering credit such as store cards to keep up. The “must have” presents children crave present a sizable headache for parents up and down the country worrying about how they are simply going…

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