The Fastest Ways to Borrow Money

In the current economic climate, we often find that we need money fast. If you have a bill that has to be paid and have no money left, then you will need to borrow cash quickly as you can. There are some ways that you can get money really quickly. Text loans direct lenders are offering this service and below are few other options you have: Overdraft If you have an overdraft facility with your bank, that you have organised with them, then getting money this way can be an immediate source of cash. You can draw it from an […]

Improving Your Credit after Debt Consolidation Services

Your credit score is one of the most important numbers in your life. It’s the number that tells lenders if you are worthy of credit. In addition, it can determine if you qualify for an apartment or a job. If you have a credit score that is not ideal, it can be very stressful. Bad credit can lead to thousands of dollars in interest charges. Therefore, it is important to improve your credit score. The process may take time, but if you follow some basic tips you will be on your way to a higher credit score. 1. Check Credit […]

Don’t let a vacation put you in debt

Nothing can put you into a debt hole you can’t climb out of faster than a vacation. Traveling can be very expensive and it is very easy to fall into temptation and spend more than you intended to. If you are using your credit cards and your spending gets out of control you can have a real problem. Just because it can create problems, though, is no reason to avoid traveling. You just have to set a budget and stick to it so that you don’t spend more than you can afford to. Here are some tips that you can […]

Debt Consolidation Guide

What is debt consolidation? Debt consolidation allows you to replace multiple loan and credit card payments with a single monthly payment. The new monthly payment is often lower than the combined value of your previous monthly payments. This is achieved in a number of ways: Lower interest rate applied to the outstanding loans Outstanding loans are repaid over a longer period Some debts may be written off, or a settlement may be made with creditors whereby you pay back less than the original outstanding amount Debt consolidation loans can be secured or unsecured. Unsecured loans tend to attract higher interest […]

How the Debt Arrangement Scheme works

Reduces unsecured debt repayments to an affordable level The idea of the Debt Arrangement Scheme is that it makes your debts affordable again. Our partners can help you to put together a Debt Payment Programme (DPP), which is basically a new plan for repaying your debts in manageable monthly payments. You’ll only pay as much as you can afford each month, after you’ve taken care of your other living costs – a debt company can help you to work out a budget to make sure everything’s covered. Freezes interest and charges on your debts While your Debt Payment Programme is […]

Dipping Into Your Savings to Pay Debts

Are you in trouble with debt right now, but you have a decent amount of savings You might be tempted to just raid your savings account without really thinking things through. Since it’s a question that we get asked a lot, we wanted to go ahead and just weigh in. You see, it’s all about making sure that you’re going to be able to take care of yourself the right way. If you have high interest debts, then we would suggest paying them off using your savings. It’s an instant boost to your cash flow, because you aren’t going to […]

Teaching Children about Finance: The Basics

Knowing when and how to teach your children about finance can be tough. Sitting them down can prove ineffective as they’ll immediately associate it with school and indeed boredom. This is why as a parent you need to make financial education fun and (if possible) interactive. Throughout this article we are going to discuss various ways in which you can teach your child about finance and at what age you should start teaching them. Building the foundations Even as early as five years old, you can start teaching your child about the basics of financial management. Naturally it’s going to […]