Have you ever wondered why so many people are going green these days? The motivation behind recycling, buying eco-friendly products and cutting down on waste is the desire to protect the environment, but it can also save you money and help you live a better life. There are absolutely loads of financial benefits to adopting a ...
The difference between debt problems and a debt crisis
A significant number of people nowadays are in some sort of debt, from overdrafts and personal loans to credit card debts or mortgages. These responsibilities are usually manageable (meaning you can afford to pay them each month), but it’s when you start to struggle making payments that they turn into debt problems and eventually, a ...
Simple debt advice: stop wasteful spending
According to financial journalist and all-round consumer champion Martin Lewis, British people could be saving up to £5,000 a year by re-evaluating their spending to ensure they get the best deal on absolutely everything. Lewis says that although there is massive potential for households to cut wasteful spending and avoid debt problems; getting there won’t be ...
Debt management mistakes to avoid
Finding yourself with escalating debt problems is a scary situation, one which makes even the most level-headed of people panic and act irrationally. However, some of the quick-fix ‘get out of debt’ methods you may hear of will only make the problem worse, leaving you even more in debt and maybe even facing bankruptcy. Watch out ...
4 hot money-saving tips for summer
The warm summer weather means a lot of us like to get outdoors and generally be a lot more active than usual. Summer is the season of fun but unfortunately it doesn’t come cheap; overspending now could leave you with debt problems further down the line. Whatever you’re doing in the next few months, bear the ...
Debt problems: reducing the risk of repossession
Of all the monthly payments most people have to make, mortgages are usually the most costly. It makes sense then that falling behind with such hefty payments has a serious risk attached to it. Put simply, if you don’t keep up with your mortgage payments, and subsequently suffer serious debt problems with your mortgage provider, ...
Managing money as a student to avoid debt problems
Your time as a student is supposed to be one full of new experiences, educating you to excel in the classroom and preparing you for life as an adult in the working world. Unfortunately, both of these cost money and nearly all students leave their studies quite heavily in debt. There are ways, however, that you ...
Top tips for saving money on car insurance
Insurance premiums can be crippling for your finances but having cover for your home or car is essential, just in case the worst happens, especially if you are worried about your finances or the risk of debt management issues arising if you had to pay for costly repairs. However, just because you need insurance, this ...
Cut down on energy usage, cut down on bills!
Generally speaking, saving money in the home comes down to the little things – making small changes to your lifestyle that add up to a nice little nest egg saved in the long run. Cutting down on your household’s energy usage is a great example of this. Using less gas and electricity is not only ...
Money saving advice for parents
As every parent knows, raising children is an expensive business and can lead to serious debt management problems if finances are not managed correctly. If you don’t want your children to inherit debt problems, you need to know how to look after your family without crippling your finances. Here are our top tips for frugal parents: Life ...
Working out your household budget
Making and sticking to a household budget is a great way to manage your finances, or work your way out of debt problems and put some money aside for a rainy day. However, this isn’t always as easy as making a shopping list; there are many other variables to factor in. The purpose of drawing up a ...
Understanding bankruptcy
Many people are scared of the word ‘bankruptcy’ without properly understanding what it actually means. Whilst it’s true that bankruptcy is not a desirable situation to find yourself in and usually a last resort, it is important to realise what it entails and what alternatives there may be before going down this route. What is bankruptcy ...
How eating healthily can actually save you money
One area that you can always save money on in day-to-day life is food; either by sticking religiously to a shopping lists prepared before going to the supermarket, or by cutting down on expensive meals and eating out. But how about the type of food you and your family eat – could that save you money? ...
How to boost your credit rating
For many people, having a poor credit rating can be an absolute nightmare, as it limits what you can buy, and how you can manage your finances. For example, bad credit hinders you when applying for a mortgage, credit card or personal loan, meaning you can’t pay for the things that you need in the ...
Avoiding debt management issues: Tips on prioritising debts
Once you’ve recognised that you have debt problems, the first course of action that comes to mind is to immediately start paying back the money you owe. However, it is important at this stage to stop for a minute to assess the situation, to ensure you get out of debt as quickly and effective as ...
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DEMSA/OFT Approval
We are a member of DEMSA and subscribe to the DEMSA Code of Conduct.
DEMSA is an organisation founded to monitor and maintain high standards in the Debt Management industry. All members of DEMSA are bound by the terms of the Code of Conduct established by DEMSA. Read more...
ICAEW Membership
Through our in house insolvency practitioner, we are regulated by The Institute of Chartered Accountants in England and Wales (ICAEW).
R3 Membership
Through our in house insolvency practitioner, we are members of the Association of Business Recovery Professionals (R3)
