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Melanie Taylor's Articles

  • Debt advice in the Credit Crunch
    Who needs debt advice? According to the PricewaterhouseCoopers (PwC) Credit Confidence survey, 27% of UK 'credit customers' are concerned about their ability to repay debts in the future.
  • Debt Consolidation Loan vs IVA
    Here we take a look at the advantages and disadvantages of two debt solutions well-suited to dealing with multiple debts: debt consolidation loans and IVAs (Individual Voluntary Arrangements).
  • Debt Management and Rising Inflation
    What makes debt management a good way of getting through a financial downturn? In a word: affordability. A well-thought-out debt management plan offers borrowers a chance to bring their expenditure back in line with their income.
  • Debt Consolidation Loans Still an Option
    Are debt consolidation loans still available? Every three months, the Bank of England publishes its Credit Conditions Survey, which reveals what changes lenders have seen in the credit market recently, and what they expect in the months ahead.
  • Debt Management - Help With Your Debts
    If you need help with your debts, you're not alone. In the second quarter of 2008 (April - June), almost 25,000 people were declared insolvent in England and Wales alone.
  • Should I Consolidate my Debts?
    If you have multiple debts that you are struggling to deal with, you may have considered debt consolidation as one option. Debt consolidation is a good way of potentially reducing your monthly payments and simplifying your finances.
  • Debt Advice in a Slowing Economy
    A slowing economy is particularly bad news for people in debt. Shrinking incomes and rising costs of living can soon turn small debts into big debts - and big debts into much bigger debts.
  • Debt Consolidation Remortgage: Some Things to Consider
    If you have several debts you are looking to repay, a debt consolidation remortgage could be the answer.
  • Debt Advice - Tips on Avoiding Repossession
    When a homeowner faces the threat of repossession, finding a way to make those monthly mortgage payments jumps to the top of their priorities list. In cases like this, they may have a wide range of debt solutions available to them, from debt consolidation to IVAs (Individual Voluntary Arrangements).
  • Debt Consolidation Rule Number 1: Know Your Debt
    At a time like this, it's no surprise that many borrowers with debt problems are looking to solve them with a debt consolidation loan. What is surprising is the lack of 'debt awareness'.
  • Debt Advice Information - A Government Requirement
    The right debt advice, at the right time, can make all the difference. How many struggling borrowers wouldn't be struggling today if they'd had a bit of guidance yesterday?
  • Cancelling Holidays and Paying Off Debts. Good Sign or Bad Sign?
    If you're in a hole, stop digging - it's true of most things, and it's certainly true of debt.
  • Are You 'Unable' To Save?
    It's well-known that the credit crunch and rapidly rising costs of living are affecting spending power, as well as the ability to obtain credit - but what about the other side of the coin? According to a new report from Scottish Widows, one in three UK citizens feel they can no longer afford to put aside any savings for the future.
  • Housing market: Past, Present & Future
    The market is faced with a vicious circle in which prices keep falling, but there are not enough mortgages being offered to increase demand.
  • Managing To Eat - While Managing Debt
    Most of us will be expecting to sacrifice some of our hard-earned disposable income to cope with the growing cost of living - and for those with little to spare, dealing with debt is a growing concern.
  • The Real Cost of Living - And Why The Inflation Rate Tells a Different Story
    The UK has recently experienced some much sharper rises in costs of living that are putting many people under serious financial strain.
  • Debt Consolidation - Dos and Don'ts
    You've probably heard all kinds of stories about debt consolidation. Some of them portray it as the simplest and best way out of debt. Others paint a disturbing picture of escalating debt that leads inevitably to financial disaster.
  • Why choose debt management?
    Why choose debt management? Some debt solutions seem to offer a lot more for a lot less, so why would anyone select a solution that doesn't promise an easy way out?

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