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  • Money dates for your diary in 2024

    Money dates for your diary in 2024

    Need to file a tax return, wondering when your bills are likely to rise (or shrink! 🤞), or want to know when you can expect important updates from the government? We’ve got you covered. January 6th January – National Insurance cut As of 6th January 2024, the reduction of employee National Insurance contributions (Class 1 NICs)…

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  • Debt to deposit – How using the 50-30-20 model can help you save

    Debt to deposit – How using the 50-30-20 model can help you save

    If you’ve experienced a change in circumstances and found yourself in debt, it can be hard to find ways to budget and save money each month. Not only do you have to factor in paying towards monthly essentials such as mortgage or rent, utility bills, and groceries, but you may be paying off existing debts…

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  • When will the cost of living crisis end?

    When will the cost of living crisis end?

    Here in the UK, the cost of living crisis has been an ever-salient news item for well over two years now, and for good reason. According to the Office for National Statistics, at its peak in 2022, prices of basic consumer goods and services rose at a faster rate than any other time since the…

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  • How to deal with debt anxiety

    How to deal with debt anxiety

    Feeling stressed or anxious is a totally normal response when you’re facing financial difficulties. Whether you’re dealing with a spiralling cycle of high interest credit card debt you just can’t seem to escape from, or are struggling to make repayments on a mortgage or loan due to an unexpected change in personal circumstances, debt anxiety…

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  • How to pay off credit card debt

    How to pay off credit card debt

    Credit cards are a quick and convenient way to build your credit history. However, if used irresponsibly, the debt generated can quickly become a significant burden. Indeed, for those living with a large amount of credit card debt, knowing the most effective way to pay it off is not always clear.  Fortunately, with the right…

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  • How to help a friend in debt

    How to help a friend in debt

    Watching a family member of friend struggling with debt can be tough. The human inclination is to, of course, help out where possible. However, when money is involved, this can be an uncomfortable topic to broach. What’s key to remember is that there are many sensible ways to support a loved one living with debt without…

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  • Do you know your IVA from your APR? Debunking debt myths so you don’t have to

    Do you know your IVA from your APR? Debunking debt myths so you don’t have to

    Some people avoid talking about their debts and miss out on the necessary help because they’ve heard something that has put them off or they’ve looked it up online and found incorrect information. But the truth is dealing with your debt doesn’t have to be daunting. Seeking the right support can address your money worries…

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  • The snowball or avalanche method: which is better to get out of debt?

    The snowball or avalanche method: which is better to get out of debt?

    Dealing with debt can be a heavy burden. Whether you’re struggling with a large amount of debt that is becoming impossible to manage or a relatively small amount that’s increasingly difficult to deal with due to a change in personal circumstances, it can be hard to see light at the end of the tunnel. Fortunately,…

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  • Will an IVA affect my partner?

    Will an IVA affect my partner?

    Significant debt can be more than just a financial worry. It can impact your entire life, from your working life to the relationships you have with your nearest and dearest. Luckily, there are debt management solutions available that can help you regain control of your personal finances. One type of solution that can provide this…

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  • Can debts be written off due to mental illness?

    Can debts be written off due to mental illness?

    Juggling your financial responsibilities can often be an overwhelming task. From credit card bills and mortgage payments to student loan repayments and utility bills, different types of debt can start to build all too easily. This can cause stress and anxiety for even the most mentally resolute among us, never mind those living with mental…

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  • Autumn Statement 2023 Round-Up

    Autumn Statement 2023 Round-Up

    On Wednesday 22nd November 2023, the Chancellor of the Exchequer, Jeremy Hunt delivered the Autumn statement to Parliament. In his opening statement, the Chancellor highlighted the decisions made by the government to curb inflation and get the economy back on track. He announced the government’s main five priorities: reducing debt, cutting tax and rewarding hard…

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  • 5 tips for an affordable Christmas

    5 tips for an affordable Christmas

    You know what they say, Christmas is the most wonderful time of the year. Unfortunately, it also tends to be the most expensive too! The pressure to buy the perfect gifts, go out with friends, and decorate your home can quickly lead to overspending and serious debt. However, with a bit of forethought and planning,…

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