Fun ways to make saving easy

We might all enjoy spending money on the things (or people) we love, but constantly spending and never saving is an unhealthy habit. Worrying about rising debt can cause us to have sleepless night and lack of sleep cause us to become physically unwell. So getting in to the habit of saving is good for us in many ways. The young, middle-aged and old; employed, self-employed or unemployed we can all benefit from having a bit put by for a rainy day. Even if it s just a small amount imagine the pressure that would take off if your car broke down or your boiler packed up? Imagine being able to pay for those repairs without worrying about hitting your credit card limit or taking out a loan. Sure you have to make sacrifices to build up some savings but if you ve never given it a try you might be surprised at how quickly a small, regular amount can build up. And that small savings pot could give you some financial freedom – maybe you won t need it for an emergency and could spend it on a muc


Free Debt Advice: Where to get it if you need it now

It’s easy to stick your head in the sand when you are struggling with debt but it is never a good idea. While you might like to think that not opening bills or responding to telephone calls will make your debts go away, your creditors will continue to pursue you for what you owe and will eventually take legal action to recover the debts. It is never a good idea to ignore debt. Fortunately, there are plenty of free debt advice services that you can turn to no matter where you are and no matter how large your debts. But what is the best service for your needs: The Money Advice Service This free online resource at has a wealth of information about debt, handling your money and how to behave responsibly even when you are struggling with your finances. The service has online advisers who will be able to point you in the right direction or you can call them on 0800 138 7777 for free debt advice. It also has a section on how to deal with a debt adviser and ho

Why people will always need short term loans

It is easy to be critical of the short-term loan providers, especially given the high-profile mistakes they have made in recent years. Certainly there was highly misleading advertising and dubious, unregulated practices by some companies within the industry that came to light back in 2013. And these will not be quickly forgotten even though the market is now highly regulated and closely monitored. But did you know that over 1 million people in the UK alone would not pass the credit checks required to open a regular current account at a high street bank – that s one million people who won t have access to the normal banking facilities that the majority take for granted, let alone access to any form of mainstream credit. By any standards that is a huge minority so to be critical of the short term loan market fails to recognise the needs of those million people here in the UK. Just like anyone else they have emergency situations that they cannot cover with cash and where many people wo