County Court Judgement (CCJ)

A County Court Judgement (CCJ) is a judgement issued by the court when you have failed to meet the payments as part of a credit agreement such as a personal loan, utility bill or credit card. A court can order a CCJ if it believes that you owe money to a creditor, with the order […]


Bankruptcy is a financial resolution that may be considered by someone who can no longer afford to pay their debts. It is usually considered the ‘last option’ for people who have accrued a large amount of debt and cannot afford the repayments. Once you have been declared bankrupt, your remaining debts are written off, however […]

Tap and Pay Bank Cards – Managing Security Risks

With so much technology coming into our homes and into our cars, it would make sense that people want to bring more technology into our wallets. Indeed, the way that we handle payments can always change over time. After all, there was a time when credit cards where completely new. Mobile payments make people a […]

Pick the right Financial Advisor with these 3 questions

Do we really need financial advisors? Is money really that hard to manage? Well, the answer to these questions is both yes and no. Yes, because with the rising number of people caught up in the web of debt, even if they are earning sizable income, is proof that money is the most challenging thing […]

Logbook Loans Versus Payday Loans

When deciding to take out a payday loan or a logbook loan, there are a number of things you need to consider. What follows are detailed explanations of each type of loan and their advantages. What is a Payday Loan? Firstly, a payday loan is also known as a paycheck advance, which is a short-term […]

Finding College Money for your Kids

Several years ago, my wife and I wanted to plan for our son’s college tuitions. In those days the totals were much smaller, but we felt if we could put back “X” amount of dollars per paycheck, he would have a nice junk of money when he graduated from high school. Unfortunately like most families, […]

6 Ways to Save Money this Year

We’re always on the look-out for ways to save money, but sometimes it’s a lot easier than spending less or earning more. There are now many different ways that you can make some extra cash and save money, without having to work extra hours at the office or go without your morning cup of coffee. […]

Too Much Interest

Like many other debt problems a major reason why people have too much interest to pay is quite simply because they have over burdened themselves with loans, credit cards, store cards, catalogues or mortgages. In can be easy to misjudge disposable income and sometimes hidden charges and costs can be misleading. This is particularly the […]