Independent Financial Advice

Recovering emotionally from being in debt

Recovering emotionally from being in debt

Debt doesn’t just hit your bank balance and credit rating, it can have a huge impact on your emotional wellbeing too. From stress and anxiety over how you’re going to pay all you owe, to the feelings of failure or shame that many people experience when they’ve been heavily in debt, it can take some

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Considerations when buying a property

Considerations when buying a property

Your property is probably the most expensive thing you will ever buy. Getting it right is essential, so it pays to take your time and consider your purchase from every angle. Here are some tips for what to look out for when you are buying a new home – some obvious, some less so. It’s

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Home equity release explained

Home equity release explained

The term equity release refers to financial products that let people, usually over a certain age, free up some of the cash invested in their property. If you need to top up your pension or would rather use the money tied up in your home for other things, releasing some of the equity can be

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Are You Getting The Right Entitlements

Benefits Cap And Housing Benefit Advice

A benefits cap is a limit on the total amount of benefits any single person or couple aged 16 to 64 can claim. This means, the level of a particular benefit may go down if you claim more than one benefit. Which benefits can be included in the capped amount? Benefits affected by the cap

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Keeping your savings protected

Keeping your savings protected

There was a time when no one thought twice about placing money in a bank or building society for safe keeping. And then we had the financial crisis and a few big name banks collapsed. Panic set in. While this may now seem like a distant nightmare it has left a scar that may never

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Better ways to borrow than a payday loan

I can’t pay my payday loan

Payday loans can be useful in certain circumstances and when they’re used in the way they were intended. They are an option for short term loans or when emergencies arise and there is no other way to obtain the money. Problems can occur, though, if you find you can’t meet the repayments, but there are

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