Retailers need customers to spend money in their shops in order for them to stay in business and there’s nothing particularly new about shops offering credit in one form or another in order to make it easier for customers to afford their purchases.  Recently, however, JD Sports made the headlines for all the wrong reasons,

Restaurant kitchens can be tough places to be, full of boiling liquids, steam, sharp knives and, at times, a lot of pressure.  Restaurant boardrooms may have fewer physical dangers, but they can also be tough places even for the best and biggest names, Gordon Ramsay and Jamie Oliver have both famously struggled with restaurant-related debts,

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New crackdown on loan sharks

Friday, 01 June 2018 by

Debt is a big word.  It covers everything from mortgages to payday loans and their illegal counterparts.  Sometimes it can be cheap, such as when you pay for a group meal and your companions pay you their share the next day – no interest applied.  Sometimes, however, it can be expensive, in the case of

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Debt can be very useful, for example, it can enable people to buy assets like houses, but it can also become a problem and if it does, then that problem needs to be addressed.  Dealing with debt can be a challenge for even the most emotionally-stable of people, it can be even more difficult for

If you’re self-employed, or thinking of moving into self-employment, then it’s usually strongly recommended to look at finding private equivalents of the sort of insurance packages which are often offered as part of employee benefits packages.  If you are planning on starting your own business (as opposed to providing services on a freelance basis), then

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Are you in a JAM?

Friday, 27 April 2018 by

The plight of JAMs (those who are just about managing) has been hitting the headlines on a regular basis over recent times.  Essentially JAMs are people who are living from one pay-day to the next, perhaps managing to avoid racking up any (more) debts, but unable to make meaningful inroads into existing debts or to

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Learning Credit Card Control

Friday, 20 April 2018 by

Credit card balances are one of the most expensive forms of debt there is.  In principle, you can avoid the charges by paying off your balance in full, every month (and some people do exactly that) but realistically many people use credit cards because they don’t have the funds available at the time they need

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Tips to pay off your debts

Friday, 06 April 2018 by

If you’re in debt, you’re not alone and the good news is that one way or another you can get out of it.  Here are three tips. Get to grips with budgeting You get into debt when you spend more than you earn so the first step in getting out of debt is learning to

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Debt consolidation top tips

Friday, 23 March 2018 by

It’s all very well saying “neither a borrower nor a lender be” but in the real world, borrowing and lending are just part and parcel of life for most people and generally speaking there is nothing really wrong with it most of the time, sometimes, however, it can get out of control.  If you’re already

Toys R Us and Maplin are the latest high-street names to be on the point of admitting defeat and closing their doors for the last time, but while “difficult trading conditions” and other such phrases seem to be commonplace in these situations, an objective look at the situation indicates that bad management was at least

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