Owner: Frugal Cents URL:http://frugalcents.wordpress.com Join Date: Thu, 02 Oct 2008 04:44:23 -0500 Rating:0 Site Description: Honest and realistic financial blog with emphasis on debt and its domestic solution. Site statistics:Click here
Thou shalt not get into debt 2008-10-02 04:33:03 A retired vicar was sentenced to a month in prison as a result of debt accrued from non-payment of council tax.
The elderly vicar who also has a heart condition began his sentence in one of the toughest prisons in the UK after he protested over an increase of £64 on his council tax bill. [...]
Seventeen and in debt 2008-09-27 11:36:07 Debt problems are starting younger and younger with 50% of school children admitting that they are in debt at the age of 17.
Over half owe money to family or friends and a large proportion say that they worry about money every day. Many cannot wait to reach eighteen so as they can apply for [...] Read more:Seventeen
When you can’t get into debt 2008-09-24 15:49:58 It is a common complaint that banks carelessly run people into debt. However, there are others who are debt free but constantly refused for credit and are equally as agitated as their debt ridden counterparts.
If you have never applied for credit before, it will be difficult for creditors to see how well you deal with [...]
Debt by the meter 2008-09-22 04:38:22 Hundreds of low-income families are falling into debt because they are unable to pay for energy bills which have not been updated on their pre-payment meter.
Meters need to be reset manually whenever a price increase occurs so as customers always pay the correct amount for usage.However, companies are failing to do this and customers are [...]
Loan Brokers – can they find the debt consolidation loan for you 2008-09-20 01:44:17 Loan brokers will happily take on board many lost souls in serious need of debt advice by offering some form of hope to those plagued with CCJs, defaults and even bankruptcy.
Loan Brokers
can source debt consolidation loans, car loans and even mortgages by acting on your behalf to obtain an appropriate loan for your [...]
Don’t rely on parents for debt solutions 2008-09-18 16:32:26 Children are renowned for borrowing from their parents but many are still relying on them to bail them out of debt in their forties. With the present credit crunch hitting the capital and top financial institution, it’s not even an option for one to have at least one savings account. This will be a most [...] Read more:solutions
Standard variable rate mortgage debt 2008-09-13 02:24:06 Standard variable rate mortgage debt
The most costly investment you will ever make is the purchase of your home so make sure that your prized possession doesn’t lead you on the road to bankruptcy!
When buying a home steer clear of a full standard variable rate mortgage. It is evaluated by the base lending rate of the [...] Read more:Standard
Is debt dripping from your tap? 2008-09-12 02:07:59 Water is running us into debt. It has been estimated that the British use at least 65,000 litres of water each year for drinking and washing.But why is our water draining our finances?Unlike gas and electricity, we are unable to switch our water supplier to a more economical provider but there is a solution to [...]
The truth about debt 2008-09-11 16:07:55 There are many myths surrounding debt which range from titbits read on the internet or debt advice heard down the pub but which ones are true and which ones really are myths?
If you have been told that you won’t be charged interest on large sums that you pay to your credit card, then this isn’t [...]
Debt out of need not greed 2008-09-10 06:55:56 People claim benefits as a means of getting out of debt but did you know that over £1.4 billion claims are from those ineligible to receive help?
Over 50% of fraudulent claims come from Job Seekers Allowance, Income Support and Housing Benefit applicants. As a result, public services fall behind.
Fraudulent benefit claims are used to [...]
Debt at the hands of a fraudster 2008-10-18 04:32:00 Are we paving the way for debt? It is so easy for fraudsters to steal our identity but are we making their job far too easy for them?
If you have been cutting back on your credit card debt and spending less or have decided to stop using those store cards which come loaded with [...]
Life and debt 2008-10-16 02:23:34 Some people are so deep in debt, they will never know what it is like to not owe anyone money.
Some families have raked in debt so high that they can only afford to make minimum payments to all of their creditors. Debt Free Direct commented that unless a miracle happens such as a jackpot [...]
Debt and divorce 2008-10-14 08:20:19 Besides the emotional turmoil which divorce
entails, there is often the anguish of unforeseen financial matters such as debt and personal assets to contend with.
Urgency to make a fresh start can cause many individuals to make hasty decisions when going it alone and there are many bogus companies who will happily take advantage of their [...]
Looking for a reliable savings account? 2008-10-13 09:37:25 I thought I should write on something totally different, I emphasis a lot on debt but as we see more banks in distress and the economy unstable. Let’s talk about savings accounts shall we?
A direct online savings account may be the answer for you. HSBC is a full service banking institution that offers different types [...]
Bankruptcy – can it ruin your career? 2008-10-12 10:15:31 For quite a while now, it has been customary for people working in the finance, gambling and government industry to have their credit reports inspected for bad debt such as bankruptcy or involvement in debt repayment plans such as an IVA (individual voluntary arrangement) and also debt management. This is because employees working in [...]
Can a bad credit rating save you from debt? 2008-10-10 05:25:22 Is there any hope for those of us who are so deep in debt that we cannot see a future without bills and worry? how much do our money matter?How can we go about all these debt and monetary issue?
Bob started building his credit
file from the age of eighteen. He was always accepted [...]
Debt awareness 2008-10-09 02:06:51 Debt management program is a rational and practical way of managing debts effectively. You get rid of your pile of debts easily. When all you creditors agree with this management program, you are required to make a monthly payment to the solution provider who distributes the amount regularly to your creditors. In this way debt [...]
The best mortgage to avoid debt 2008-10-08 04:22:40 Deciding to own a home is the easy part but which mortgage do you choose without encountering debt problems?
Banks and building societies are repeatedly tweaking and increasing their range of mortgages to the point where there are so many to choose from, it is impossible to make an easy choice.
To avoid the perils of falling [...]
Equity financing and debt financing 2008-10-06 04:10:56 If you are interested in starting up a small business but do not want to encounter debt problems it may be worth taking some time to look at the options available to get you up and running.
There are two main types, one is debt financing and the other is equity financing. Both financing options are [...] Read more:Equity
Debt and the taxman 2008-10-04 04:37:47 Buy to let property owners may not be able to close the door to debt as the taxman seeks out those who have not paid enough tax on their investment.
Tax can be reclaimed from as far back as six years ago which means that landlords or individuals renting out their homes could face a debt [...]
debt hitting homeowners 2008-11-10 18:00:27 UK debt advice. With UK debt at an all time high, there is serious worry within financial circles about how US debt and the issues with sub-prime mortgages will have a trickle down effect upon UK debt statistics.
It seems that the debt harpers, who were dismissed as pessimists were not unnecessarily worried. With the recent [...]
Debt: the facts! 2008-11-10 17:33:51 We the people of the UK are in a lot of debt! Fact! The total UK debt for summer 2008 stood at £1945 billion and that figure is increasing every second. In fact we are in so much debt that consumers will borrow an additional £320 million today alone, and tomorrow and the next day! [...] Read more:facts
Is an IVA too good to be true? 2008-11-08 18:25:23 Those IVA adverts on TV stating that people can write off 75% of debt are a best case scenario. It is also a highly improbable scenario but it can be better than bankruptcy.
If you choose IVA as a debt solution, your creditors will seek a minimum of 25p for every £1 of debt as an [...]
Don’t bury your head in the sand 2008-11-07 04:22:57 The first point of contact for any debt advice should be the Citizens Advice Bureau. They have specially trained staff that know exactly where you stand legally and between them have years of experience in helping people for free. They will go through your circumstances and advise you on your options.
There are other companies that [...]
Do you need that student loan? 2008-11-04 18:04:37 Student loans should be used by only those who require this financial assistance.
The financial help a new full-time student can get depends on the course, where they live while they are studying, and their individual circumstances.
Committing yourself to debt is an important decision to make, and students should not see this as free money when [...]
Win an ipod nano 2008-11-03 03:57:05 Just by linking to
Ends 14 Nov.
I found this post by Jake really interesting Joe the Plumber is now Joe the foreign policy advisor?
Students loan are evil 2008-11-02 18:01:53 Student loans are the spawn of satan. I was unable to find a job after my studies were complete and I seem to have this huge loan hanging over my head. Because of the length of time that you are allowed to take the loan over it sits in the background until you are working [...]
Money Talks 2008-10-31 23:59:44 Debt and money in general is a funny thing. Most people feel incredibly embarrassed about their financial affairs, even when they are solvent. Admitting that you are in debt to a partner of loved one can be particularly traumatic. It often makes the individual in debt feel that they have somehow failed, even when their [...] Read more:Money
Every penny counts 2008-10-29 19:00:33 When it comes to teaching our children about or how to do anything the best way is always by example. If show our kids that we are sensible with saving money and that we have to work hard to earn the money we spend then they will get a rounded idea about finance and spending/saving.
I [...]
Debt is a difficult thing to prevent 2008-10-29 18:56:43 In our modern society, debt is extremely difficult to avoid. UK residents together owe hundreds of millions of pounds. So, how can we educate the futures generations on how to manage debt and how can we prevent
them from falling through the same trap doors.
When it comes to finances, I think it is important to [...]
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