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Are you looking for a better Debt Arrangement Scheme?

Debt Arrangement Schemes explained Signing up to a debt arrangement scheme will put a stop to worrying letters and phonecalls and also set you on the path to paying back what you owe and recovering from debt altogether at a manageable rate and without having to go bankrupt. This is one of the main advantages for […]

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Credit card help after the festivities have died down

Credit card help.
  Although Christmas is very much the most wonderful time of the year, the months following December are some of the most depressing of the year. Post-Christmas Financial Blues With the beginning of a new year comes the thundering hit to Earth when you realise just how much was spent over the festive period. There is also […]

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Don’t get caught out – create an emergency fund

Have you started an emergency fund? Many people have found themselves in financial dire straights. Whether it’s due to unexpected issues with the home, your vehicles or health related, life can trip you up now and then. Create an emergency fund Once you’ve recovered from this financial headache, it’s vital that you then create an […]

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Dealing with credit card debt and what to do next

If you’re looking to improve your credit score, you may think that a credit card is a great option for you and used responsibly, they can be an incredibly useful way to manage your finances. However, it’s very easy to overspend on credit cards and just pay the minimum payment each month or even not […]

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Council Tax Arrears

Council Tax Debts Debts to council tax can feel like the most confusing and intimidating debts to manage. Council tax should always be a priority ahead of any debts such as credit cards but sometimes this isn’t quite so simple. Council tax is paid to your local Government body to help your local area pay […]

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15 Ways to have a financially happy 2016

Save. Save, save, save! Even if you’re not in a position to save a lot per month, every little really does help. Automatically put any loose change into a savings jar, you’ll be amazed by how quickly it adds up! Resist the urge to impulse buy Put together a budgeting plan. There are a lot […]

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Christmas credit card debt – what to do now

Christmas is one of the most financially draining times of year. Between the magic of flashing lights and festive music is an increased pressure to spend. Presents, Christmas parties and the all-important Christmas dinner can all be extremely demanding on the average person’s budget. Unfortunately, very few of us prepare for the festive season with […]

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A beginner’s guide to debt advice.

A recent Citizens Advice report advised that there were 172,955 new enquiries to Citizens Advice Bureaux for debt advice between 2013/14 & 2014/15 in Scotland. If you are beginning to feel like things are getting on top of you and that you are struggling financially – don’t panic. There is help and debt advice available […]

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