Debt Breaker

If you are not a ‘numbers’ person, either by nature or having been turned off mathematics at school, then you will probably find simple tasks such as balancing a checkbook or drawing up a formal budget, perhaps using a spreadsheet, a very off-putting task. However, developing a budget is essential if you are to get [...]

There are many different ways in which you can reduce both the total and monthly burden of your debt but the secret is to find a method which is simple and which you will be able to stick to month after month until your debt is cleared. One such method which has been used by [...]

A mortgage typically runs for many years and there are often very sound reasons for refinancing a loan which was taken out several years ago. For example, if interest rates have dropped significantly since your mortgage was arranged you may wish to refinance to not only reduce your monthly payments, but also to lower the [...]

There are very few people today who are not in debt and when you consider the cost of buying a home, getting a car or helping your kids through college it is easy to see how debt can quickly accrue. But just how much debt is acceptable?

When it comes to debt it is very easy to know that you have a problem but do know just how big that problem really is?

Getting out of debt is very much a matter of practicality but it is all too easy to overlook the fact that it is also often a matter of emotion. Most people are aware for many weeks, months or even years that they are getting themselves into a financial mess and yet they continue to [...]

Whether you are in debt or not credit cards are simply a financial tool and, like most tools, they can be used to your advantage or to your disadvantage.
Credit cards were originally designed to provide convenience, reducing the amount of cash which you needed to carry with you and enabling you to make purchases over [...]