Helping you keep your finances healthy!

When debt is an issue, what we all lack is clarity. You’re probably more concerned thinking about ‘how on earth did I get here’ rather than ‘how do I move forward, starting today’?

So if you do nothing else today, start by running through the following practical steps. Bookmark this page, print them off, e-mail or Facebook it to yourself – it’ll take no more than an hour to go through them…

For many of us, credit cards pose as a ‘saintly saviour’ to let you use money you don’t have yet – then quickly become ‘the devil’, when you realise how they are designed to extract as much money as possible from us.

The average car insurance premium rose by more than a third to £843 in 2010, and a significant part of this increase has been attributed to higher fraud levels.
Every single day, 108 fraudulent motor insurance claims worth £1.12 million are detected, according to the Association of British Insurers (ABI) – and they reckon even that might be just the tip of the iceberg.

We’ve all been there. You arrive at the till clutching your goods, ready to pay, and the
bubbly shop assistant asks: ‘Would you like to save 20% on all your purchases today?’
After all – who would say no to saving money?
‘It’s simple,’ they say, ‘just fill out this form’. Then before you know it, you have received the discount off your purchases and possibly not even had to pay for them on the day. You have walked away with a card that allows you to spend in store now, and pay it back later.