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Debt Help and Advice for the UK
At some time or another during our lives most of us will overspend and get into debt. Sometimes we can get our finances back on an even keel by cutting down on a few luxuries.
It's a fact that there is now much greater and easier access to credit than there ever has been before. What people often forget is that, once they use that credit, they have taken on a debt. British consumers now owe more than £1,004,290,000,000 on credit cards, mortgages and loans. Some 1,300 different credit cards are available compared with only one in 1971. The average credit card limit is £3,000 though some people have cards with limits of more than £10,000.
Paying off the full amount you owe on your credit card statement every month means you are staying out of debt. However, once you slip behind and start to leave something owing month after month, you are beginning to get into debt and taking the first steps that could lead to financial disaster.
Almost 12 million people in Britain have a mortgage. That is a loan to buy your own home or, in other words, a debt you owe. Of course few of us can do anything other than take on a mortgage if we want to own our own home and there is always the possibility of selling the property and repaying the money.
So having debts is not the problem. The problem is letting debts build up to a point where you can no longer keep up the repayments or taking on more debt than you can realistically afford in the first place.
Greg Penn
http://www.debtandyou.co.uk
FOXBusiness - 1 hour ago
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WOW, Gambia - Aug 19, 2008
In December of 2007, the International Monetary fund (IMF) granted The Gambia a milestone debt relief package worth $140 million. In a statement at time, ...
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Norman Transcript, OK - Aug 18, 2008
By Julianna Parker Law students who want to pay off debt quickly now will have an incentive to enter public service. A measure recently signed into law will ...
Warrenton Journal, MO - 15 hours ago
The Mortgage Forgiveness Debt Relief Act, which was signed into law in late December 2007, provides needed financial relief for this year and through 2009 ...
Reuters South Africa, South Africa - 10 hours ago
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Brisbane Times
The Canberra Times, Australia - 7 hours ago
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all 814 news articles
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