Debt consolidation * free debt advice * bankruptcy solutions * cheapest mortgages *low interest finance * money making ideas * debt consolidation * reduce mortgage payments * IVA
As the UK wakes up to the fact that they are drowning in a sea of debt, solutions to bankruptcy, debt consolidation mortgages and loans combined with money making ideas are more relevant than ever before. The need to find free debt advice, the cheapest mortgages or simply reduce monthly payments can help cash flow but people with debts of more than £15,000 and considering bankruptcy should investigate an IVA.
CHEAPEST DEBT CONSOLIDATION MORTGAGES
We know mortgage brokers who specialise in debt consolidation mortgages and who can shop around to find the cheapest deals applicable to your circumstances.
BANKRUPTCY SOLUTIONS IVA
If you have debts that appear to be truly insurmountable, sometime a chat with an insolvency practioner can produce solutions as an alternative to bankruptcy. An IVA is certainly one avenue you should explore.
LOW COST DEBT CONSOLIDATION LOANS
One way to reduce your monthly outgoings is to consolidate your debts by rolling them up into a single debt consolidation loan. It obviously depends on how you owe and how much you are paying at the moment but these types of loans often save people hundreds of pounds every month.
HOW TO STOP YOUR HOME BEING REPOSSESSED
It doesn't matter how far the bank has got with regards to repossessing your home, there are often solutions to financial problems that people have not explored. You can reverse and suspend repossession orders if the circumstances are right.
BEST WAY TO GET OUT OF DEBT
The solution to your debt problems always rests with you. Changing your spending habits, cutting your monthly expenditure, earning additional income and taking out a debt consolidation loan are all solutions but it is you who has to make the first step.
LOWEST MORTGAGE QUOTES
If you are first time buyer, working in the buy to let market, looking for a cheap remortgage quote or moving house, we know mortgage brokers who can provide you with the lowest quotes on the market.
BEST MONEY SAVING IDEAS
You can reduce your debts by using our money saving ideas. This can often save you thousands of pounds a year without having to spend a penny. Sometimes, these money saving ideas seem trivial and hardly worth while, however, when you add everything up, you realise that you are going out to work to give your money back to the large corporations who are only to keen to take it off you.
The best debt advice is don't borrow; if you have to, borrow at the cheapest rates available, then pay the loan off as quickly as possible; don't borrow on credit cards and look for ways to save and make additional money.
REDUCE UTILITY BILLS
You can save a fortune every month by switching telephone, electricity and gas suppliers, turning your heating down and being more sensible about use of your telephone and electrical appliances. Savings of £100 per month can make dramatic differences to your cash flow.
For many debtors, continual debt seems to be a lifestyle they choose to pursue as a long term process. Re-mortgaging, taking out one debt consolidation loan after another, never changing their spending habits, wasting money frivolously, never caring that they are working just to give their money back to the large companies that prey on them until one day bankruptcy comes knocking on their door.
GET OUT OF DEBT NOW
If you owe more than fifteen thousand pounds and have no way of being able to maintain the monthly payments on your loans and individual voluntary arrangement could be the answer. An IVA can be used to write off most of your unsecured debts. Check it out.
MONEY MAKING IDEAS
You can keep borrowing to get yourself out of debt or you could start to use some of our money making ideas to earn that much needed extra income. It is most likely that a debt consolidation loan and earning extra income will be the quickest way to get yourself out of trouble.
Every household is like a business. It has an income and overheads and the person (financial director) responsible for managing the day to day budgets has to ensure that the monthly outgoings are less than the monthly income. Putting it simply, you have to earn more than you spend. On the face of it, this would appear simple enough, yet 40% of all UK households have debt management problems.
DEBT PROBLEM ADVICE
There is nothing wrong with consolidating your debts by re-mortgaging if you plan on changing your spending habits and attitudes to spending. If you don't change, a few years from now and you will be back in the same financial mess and needing to borrow more money.
There are some things that you have to borrow money to buy because this is the only way to own them. People on a fixed income have no way of buying a house or car unless they win the lottery or inherit money.
Tenants, because they are unable to offer security will always find it more difficult to find a lender prepared to lend money at a competitive rate. However, we do have finance brokers who can help you find the cheapest rates available.
MORTGAGES IN SCOTLAND
We have a panel of Scottish mortgage brokers who specialise in arranging competitive mortgages and loans for people who live in Scotland.
If you are convinced that filing bankruptcy is your only option, think again. There are real alternatives to bankruptcy that are government approved schemes.