Debt & Credit Information

How To Build Good Credit How To Build Good Credit

Credit comes with pitfalls. We are told this regularly and for many people it seems... 

How To Turn Things Around How To Turn Things Around

It is a very rare kind of person that does not have money problems at some point... 

Unsecured Credit – You Still May Lose More Than You Gain Unsecured Credit – You Still May Lose More Than You Gain

Although there are obvious pitfalls to taking out a mortgage or a new car loan which... 

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Debt & Credit Tips

Living Debt Free Living Debt Free

There is an increasingly widely held impression in society today that in order to... 

Sometimes Counseling Can Help Sometimes Counseling Can Help

The word “counseling” is one that can trigger some pretty extreme reactions in... 

A Debt Management Plan Could Be Your Salvation A Debt Management Plan Could Be Your Salvation

Although we as a society have become used to the potential pitfalls of irresponsible... 

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Debt & Credit Free

How Debt Can Ruin Your Life How Debt Can Ruin Your Life

Most of us, at one time or another, have looked at an item and thought “That would make my life so much better – now if only I had the money to buy it”. Credit is the solution used by many people in this dilemma. In many ways, it is as though a bank were saying to the person “No problem, you can have that item. I’ll pay for it now, and you... [Read more of this article]

What Does Debt Mean To You? What Does Debt Mean To You?

The very word “debt” is enough to bring fear to a great number of people, suggesting as it does a range of worries from being unable to make mortgage payments, keep a car on the road, take holidays and even, for some people, to eat three good meals daily. There are of course several different kinds of debt, and it is not necessarily a given that... [Read more of this article]

How Times And Views Have Changed How Times And Views Have Changed

There was a time when to talk of having debts was like openly admitting that you liked to pull the wings off flies. People simply would not confess to having debt, even if it turned out that they did have debts, and quite substantial ones at that. Now, it really doesn’t seem that way. Debt is seen as an accepted hazard and a fact of life by many people... [Read more of this article]

Can You Get Credit? Can You Get Credit?

One thing that has been made very clear to people over the last few years is that taking out credit comes with some risks attached. If you are borrowing either on a credit card or a loan, it really is not advisable to borrow “as much as you can”, when the amount that you can borrow tends to be dictated by the bank or institution from which you borrow... [Read more of this article]

Irresponsible Lending, Spending and Borrowing Irresponsible Lending, Spending and Borrowing

One of the major criticisms of banks which emerged as the extent of the global credit crisis became clear to everyone was that they lent money irresponsibly to too many people. Most of us, if offered the chance to have a spending pot of more money than we earn in a month, would be sorely tempted. And maybe that is the problem. There are those who argue... [Read more of this article]

Where The Banks Have Gone Wrong Where The Banks Have Gone Wrong

It would be very simplistic to place the blame for the global financial crisis at the door of one financial sector, or at the feet of any organisation operating within that sector. The reason why the finances of so many major countries are now unstable cannot be pinned down to one thing, but part of it is certainly attributable to unwise lending by... [Read more of this article]

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