When someone falls into debt due to a history of using credit there is invariably a rush of questions as to why they saw fit to borrow so much in the first place. Part of the reason is the way that credit has been sold by the banks ? if you apply today you could have that new car tomorrow ? and part … [Read more...]

It is a certain fact that where credit used to be the preserve of a few people with major disposable income, now loans and credit cards are common parts of life for most sections of society. This has led to situations where it is assumed that the less well-off are the people who like to take out … [Read more...]

There was a time when to talk of having debts was like openly admitting that you liked to pull the wings off flies. People simply would not confess to having debt, even if it turned out that they did have debts, and quite substantial ones at that. Now, it really doesn?t seem that way. Debt is seen … [Read more...]

Most of us, at one time or another, have looked at an item and thought ?That would make my life so much better ? now if only I had the money to buy it?. Credit is the solution used by many people in this dilemma. In many ways, it is as though a bank were saying to the person ?No problem, you can … [Read more...]

It is always difficult to live frugally when all around you seem to have more possessions, more money and simply more fun. There are few people in the world who do not enjoy having new, enjoyable possessions which can make life easier, more varied and overall just more fun. The risk of seeing life … [Read more...]