The Future's Bright, The Future's Ginger
How does a trust deed work? A Trust Deed is a legally binding voluntary agreement between you and your creditors (someone you owe money to), and is only available to Scottish residents. If you live in England, Wales or Northern Ireland, there is a similar arrangement called an IVA – however there are different fees,
I have credit cards that I use regularly. I do my day to day spending on them, paying them off in full each month and earning some sort of reward on each of them – points that I can convert into anything from days out to holidays.
Sometimes unfortunate things happen to good people. Whether it’s bankruptcy, a failed business, a death in the family, divorce, or illness, all of these hapless circumstances typically lead to a bit of depression, some anxiety, and the dreaded bad credit.
As of September 2016 people in the UK owed £1.503 trillion. This is up from £1.451 trillion at the end of September 2015. While owing money may be a normal part of life, it can get out of control and severely impact your life. You might spend years paying off a debt, like student loans.
If you want to be accepted for a mortgage, car finance or a credit card, it is vital that you have a good credit score. Many of us do not think about our credit scores until we need them, leading us to lose out on the best deals, or in some cases, not being accepted for credit
Throughout my adult life I have come across all sorts of deals on store cards, offers that make you want to buy something right there and then, that make anything you dream of seem within reach. Store Cards can be great – with an interest free period at the start they allow you to buy
Today is a momentous occasion for Dave and I. Today we are debt free – Aside from our mortgage, a necessary debt really! Dave and I have had credit card debts/car finance/loans for the whole of our relationship and most probably the whole of our individual adult lives.