Credit cards can affect your personal finances, especially if you allow your bills to accumulate and become a huge debt. This can easily happen if you have a tendency to use your credit card, but do not keep up with your bills. Below are a few things you can do […]

The current economic situation in this highly competitive world has become a headache for many people and it has even forced them to remain awake even in night in fear of financial uncertainty. Increasing debt has transformed the life of many people into a grave and most of them are […]

Your credit score is your life. Or at least it may seem that way. Indeed, your three-digit credit score may open or shut doors, including keeping you from obtaining new credit or finding credit at favorable rates. A score of at least 700 shows good credit management. Here's how to […]

More and more credit card users are defaulting on their credit card payments to a point where the credit card companies have to use debt collectors to recover what customers owe them. Though credit card companies make money from late payment fees, perhaps shifting their approach to providing customer service […]

Debt settlement is one of the many options that you could take if you find yourself unable to pay off your debts. Debt settlement is a negotiation where your creditor allows you to pay lesser debt than what you owe. A debt settlement company can handle the negotiations for you […]

Most of us have, at one point or another, been contacted by a debt collector. Whether we have had some unforeseen emergency arise or are simply behind in our bills, it is not hard to fall into debt. When we fall behind and those debt collectors start calling, our stress levels […]

Lots of charities offer free money advice. Government supported charities and the CAB are all agencies that currently offer these services for free within the UK, but how useful are these services really? Do they tell you stuff you already know? Or are they really helpful? This blog focuses on […]

Debt seems to be one of those issues that everyone struggles with at some point in their lives. Many people will have debt their entire lives, never being able to pay it off and break free of the cycle. Because it is such a common problem, many people think that […]

Retirement is generally a distant blot on the horizon for most people, but unfortunately it turns into a dark cloud looming large soon enough. You can ensure that this cloud isn't dark enough by clearing up the maximum amount of your debt before you step into the golden years of […]

Although it is never easy to face debt that has gone into default, it can turn out to be a far bigger booster of stress if people choose to ignore the onslaught of phone calls and collection notices rather than negotiating towards a solution. The basic and understood fact is […]

Decisions are always tough. People really do like to be led along. Give them a single choice, and they will happily follow it because it is an easy path. But nobody like to be told what to do. People like to have options, even if they find it tough to choose-even […]

Money, always the necessary evil; when it's there, it's fueling our capitalistic tendencies and when it's not there, it is toppling world economies. It gets worse for those without money and without credit. So what's the practical solution here? The tough economic times we are experiencing have meant that we’ve […]