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When your debts reach an unmanageable level it’s natural to seek help to deal with them however it’s surprising how many people put off dealing with their debts through an official channel, for fear of what impact it will have on their credit report. Surely getting out of debt and not having to struggle pay packet to pay packet and regaining a reasonable standard of living is more important than keeping that gold plated credit file? It appears not. Sometimes however, you’re doing just as much damage to your credit file and people are surprised when they have a low...

Do you experience dread or feel a bit queasy when you think about your debts? Or worse, find it hard to sleep at night because of worrying about them? If so, you’re not alone. Debt has a nasty habit of making its victims suffer from stress, anxiety and even depression, all of which in turn can lead to sleep problems. If your debts are weighing heavily upon you, it’s probably for a good reason. Your subconscious mind could be telling you that “things aren’t right” with your finances. You might already be witnessing some warning signs like feeling guilty when...

When you’re trying to pay off debt, the last thing you should be doing is spending lots of money on presents. That might sound harsh (or even a bit mean), but the reality is that the more you spend money on things other than your debt, the longer you’ll be in debt for. Source What you should be doing and what you want to do however, are two very different things. Maybe you just enjoy gift giving? Or at the very least, you probably feel obliged to reciprocate when someone gives a gift to you. So is it possible to...

School holidays can bring about tears of joy or tears of frustration – and that’s just the parents! The last thing we need to be hearing is that over-used phrase ‘I’m bored, there’s nothing to do’ (said with an eye roll thrown in for good measure). While most of us will love having the children home for a week or more it can be an expensive week when school is on a break. It therefore makes sense to have a plan and look at how you can give them some treats but not break the bank. Here are some tips in...

I remember that one day in my life when I decided that I was going to tackle debt and live debt free, never to borrow again. You see, that was the actual decision that I’d put off for years. I used to get in debt, pay it off and then borrow again. It was a momentous moment where as a family, we discussed a future where we would live within our means, not use credit cards or loans and live without the misery and worry of debt. I think I felt ‘better’ from that moment. I wasn’t a penny richer and...

If you are taking a break from the rat race but still need to earn some money there are ways it can be done. Maybe like me you are having a long sabbatical whilst you decide what is next for you. We are living in times that are vastly different from our parents and now people often have more than one career. Or maybe you are a stay at home mum whilst your children are young. Balancing school and work is such a challenge especially during the school holidays that maybe it makes sense to be working for yourself. Over...