Why “sticking with what you know” could be costing you hundreds a year We are taught that loyalty pays off. In some markets, longstanding customers can pay much more than new customers for the same services and this is known as the ‘loyalty penalty’. It happens when suppliers charge higher prices to their existing customers, …
For a lot of families, the school summer holidays end with the familiar and increasingly eye-watering back to school bill. New uniforms, new shoes, PE kits, lunch boxes, pencil cases, this list goes on and on. For some, September might also mean shouldering the cost of a laptop or mobile phone for their child too. …
As December approaches, many of us feel the weight of expectation. Regardless of your financial situation the pressure to engage with endless ‘instragrammable’ experiences can consume your December as well as your bank balance. It doesn’t have to be like this, and with a bit of planning it’s entirely possible to have a joyful, debt-free …
With the growing commercialisation of Halloween, it’s also another expense which can cripple an already limited budget and set you on a downward spiral to Christmas.
If an IVA isn’t the right solution for a customer, whether they can’t meet their repayments or they didn’t want to be in it anyway, it’s likely they’ll fail.
Here’s five reasons why now is a great time to review your budget.
We’ve spent the start of the year talking, chatting and advising people who are worried about finances.
thousands of people have had their financial world turned upside down by the pandemic, leaving many really struggling to make ends meet.
Christmas is only a few weeks away, however, and if you haven’t already you’re about to be BOMBARDED with Christmas ads, social media posts and the never ending pressures of keeping up with the Jones’ (Elf on a shelf, or Christmas Eve boxes anyone??) That being said, there is some good groundwork you can do …
Time generally creeps up on us, unless you’re living on a tight budget or overspent early in the month, in which case the crawl towards payday can feel like a drag. As a society we often joke about waiting for the next payday etc, and if you’re online you’ll see endless memes about paydays and …
School holidays are upon us and it’s not realistic to think you won’t spend more over the summer. If you have school-aged children, that’s likely to mean days out, trips, treats and probably some tantrums too
Talk to the not for profit IVA specialists now 0800 856 8569
IVAorg CIC,
Ocean Business Centre,
Ocean Street,
Altrincham,
WA14 5QL
0800 856 8569
'IVAorg' and www.iva.org are trading styles of IVAorg CIC a Community Interest Company: No. 08560305
Authorised and regulated by the Financial Conduct Authority (FCA): (FRN) 684439 and regulated under the Data Protection Act 2018: Reg No. ZA033231
Member Firm of the Insolvency Practitioners Association: Membership Number 901064
Our Insolvency Practitioners, Kieran Turner (IPA Membership No. 6140821) and Suzanne Payne (IPA Membership No. 100358) are licensed to act in the UK as Insolvency Practitioners by the Insolvency Practitioners Association and are bound by the insolvency code of ethics in all related professional work. relating to an insolvency appointment.
In accordance with the Financial Conduct Authority's guidance, please follow this link if you would like to read a guide about the options for paying off your debts. To find out more about managing your money and getting free debt advice, visit Money Advice Service , an independent service set up to help people manage their money.
