What is a trust deed? – All You Need to Know | AD

*This is a collaborative guest post

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, risks and benefits associated.

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Top 10 Budgeting Tips to Help You Shrink Your Debt | AD

Top 10 Budgeting Tips to Help You Shrink Your Debt

*This is a collaborative guest post

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. Having a burden like this hanging over your head is stressful. Paying your balance off as quickly as possible is important, but you don’t have to sacrifice the quality of your life to do so.

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Making Card Debt Work For You | AD

*This is a paid post

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 that dream dress, piece of furniture or TV. Purchases you have thought long and hard about or impulse purchases when you see something you love but can’t necessarily afford right now.

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Our Journey of Getting Into and Out of Debt!

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.

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