Debt help

Guide to bankruptcy

Guide to bankruptcy

In the wake of the global financial crisis bankruptcy ceased to be a dirty word and instead became a much needed way out for thousands of individuals and businesses across the UK. More recent statistics suggest that numbers have finally stabilised once more. I was always brought up to believe that bankruptcy effectively meant your

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tips for surviving on a low income

Tips for surviving on a low income

If you’re trying to survive on a low income, then simply getting by each week can be a significant challenge. This is not about saving a few pennies, it is about making sure that you and your family are able to tackle the fundamentals, like paying the bills and eating. There are a few things that can

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How To Stay Happy When You Are Struggling With Debt

Debt and Mental Health

Having money problems can be the cause of serious worry and stress for anyone but when debt and mental health issues are mixed, this can be a particularly tough combination. For those with mental health issues, either long standing or caused by financial problems, it’s especially important that you seek the right help and advice.

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Alternatives to payday loans

Alternatives to payday loans

When you’re surviving on a tight budget, even a small emergency can seem like the end of the world. Often payday loans are seen as the solution for short term lending, but these have extremely high interest rates and you can end up in a cycle of debt. There are alternatives to payday loans if

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how to spend nothing

How to spend NOTHING!

Okay, so spending absolutely nothing at all might be a tad over ambitious but you might be surprised at just how easy it can be to dramatically reduce your outgoings. Once you get into the habit of only spending what you really need to you’ll find it becomes like second nature. Check out our tips

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first utility

First Utility

Think all energy suppliers are the same? First Utility really is different  Energy suppliers and prices are a hot topic at the moment; with prices increasing year on year and energy suppliers all battling for our custom and claiming to offer the cheapest bills, it can be difficult to know who to stick with and

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