The COVID 19 Fallout – Debt Up – Income Down
thousands of people have had their financial world turned upside down by the pandemic, leaving many really struggling to make ends meet.
Staying on track this Christmas
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 …
Five things to consider for your budget next month
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 …
Cost of Living – The power of a packed lunch
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
How To Cope With The Cost Of Living Crisis
We didn’t want to write *another* cost of living crisis blog, but unfortunately the rising energy, fuel and food prices aren’t going away and it’s highly anticipated that the UK is heading for a recession. Whilst it feels a bit doom and gloom there are positive & proactive things you can do to help your …
Breathing Space – The Debt Respite Scheme
There is a natural sense of vulnerability in exposing the truth about one’s finances and it’s this sense of vulnerability that often leads to symptoms of stress and anxiety.
Coping with the cost of living crisis.
With the well-documented coverage on the increasing costs of energy prices, weekly food shops and interest rates (known as the cost of living crisis) many families will be feeling the pinch.
What is an ‘IVA Proposal’
The proposal contains a complete assessment of the personal and financial circumstances of the applicant, laid out for the creditors to consider.
The IVAorg Essential Guide to IVAs
The team behind IVAorg CIC have over 100 years combined experience across the IVA sector and have helped thousands of people to successfully complete their IVAs. In order to help you navigate your way to debt freedom, we’ve come together, pooled our extensive knowledge and experience and created the ‘The Essential Guide to IVAs’, offering …
How do you know you’re receiving sound debt advice
Having a diligent approach, I believe, forms the cornerstone for the provision of sound debt advice. Good debt advisers are like guides. They need to take the time to develop an understanding of their client’s circumstances, before offering any advice or proposing any solutions. This might sound obvious, but a debt adviser needs to understand …
