There’s nothing wrong with debt in itself. Without debts such as mortgages and car loans, we wouldn’t be able to live our lives the way we want. But once we can’t afford our debt repayments, it’s time to ask for help, seeking expert debt advice or looking into professional debt solutions such as a debt management plan, debt consolidation loan / mortgage, IVA (Individual Voluntary Arrangement) or Trust Deed. The alternative could be doing something we’d normally never consider - like paying the mortgage (or other large debt) with a …

“What’ll happen to house prices?” Turn on the news or walk into a pub and there’s a good chance you’ll hear that question.
If you’re weighing up the benefits of buying and renting, the housing market’s stability might influence your decision, but the real question is: “What’ll happen to ME?”
Imagine you buy a house tomorrow. Of course it matters if its value goes up or down by 10%, but probably not as much as a major change in your own life, like losing your job, getting promoted or having a baby.
What …

To those of us keeping a close eye on our finances, the official 3% inflation rate might seem a little short of the mark. It may well be above the Government’s target of 2%, but to most UK households, a 3% rise in average costs would be affordable, if a little inconvenient.
In reality, the UK has recently experienced some much sharper rises in costs of living that are putting many people under serious financial strain.
It’s clear that the official inflation rate does not tell the full story. For that reason, …