‘Credit Crunch’ Category

Dealing With Overwhelming Debt

Posted in Credit Crunch, Debt, General on Thursday, August 12th, 2010 at 10:40 by Martyn Shaw.

Debt HELP

While some households have been able to recover financially from the ill effects of the recession, others are still floundering in spite of their best efforts to trim expenses and pay off back debt. If you are in this situation, there are several options to consider.

Do you need a present on a budget?

Posted in Credit Crunch, Money Saving, Sales on Tuesday, May 4th, 2010 at 09:27 by admin.

With product prices at an all time high it’s easy enough to dread when a birthday or special occasion arises. By surfing the net when you need a present you can find the best deals possible.

Protecting Your Debt or Credit Card from Fraudulent Usage

Posted in Credit Crunch, General, Money Saving on Friday, April 30th, 2010 at 11:47 by Martyn Shaw.

Credit Card plastic

With so many people using plastic instead of cash to pay for purchases, it should come as no surprise that debit and credit card fraud is on the rise. In some cases, criminals gain access to those accounts because users fail to take a few basic steps to protect their information from prying eyes. Here are some things you can do now to protect yourself from credit and debit card fraud.

Tips to Spending Less Than You Earn

Posted in Credit Crunch, General, Money Saving on Friday, March 19th, 2010 at 10:45 by Jessica Haynes.

Consumer Spending

According to a survey conducted by the price comparison service uSwitch, a number of UK households consistently spend more than they earn in monthly income. This has led to situations where people are running up high credit card balances, and making ample use of overdraft cover on their bank accounts. If you are among those who find yourself unable to keep your spending within your means, here are a few tips to help you make the necessary changes and move closer to being financially stable.

Avoiding Overdrafts

Posted in Banking, Credit Crunch, General, Money Saving, Mortgages & Property on Thursday, February 25th, 2010 at 09:58 by Martyn Shaw.

Overdraft close up

While overdraft cover is a great option to have in the event of an emergency, the fact is that even the relatively inexpensive overdraft protection can be quite expensive if you spend an entire year living in the red. Your best option is to arrange your finances so that you never have to use the protection, and thus avoid accumulating the fees.

Stretching Your Monthly Income

Posted in Credit Crunch, General, Money Saving on Thursday, February 18th, 2010 at 13:07 by Jessica Haynes.

Strectching Money

For many people, a raise is highly unlikely this year. If that situation applies to you, then the time is now to begin finding ways to stretch the income that you can depend on. Fortunately, there are plenty of little ways to manage this process without creating a great deal of stress in your life. Here are a few suggestions.

Overcoming High Interest Rates on Credit Cards

Posted in Credit Crunch, General, Money Saving on Wednesday, February 17th, 2010 at 13:06 by Martyn Shaw.

Wallet with Credit Cards

It’s no secret that credit card interest rates are higher on average than the interest rate on many bank loans. The incremental increases in interest rates mean that the excellent rate you received with one of your credit cards a few years ago is likely no more. Fortunately, there are a few ways to manage your use of plastic and reduce the impact that these higher rates have on your financial well being.

Sell My Mobile – New Phone Recycling Price Comparison Website Launches

Posted in Credit Crunch, Money Saving on Thursday, December 17th, 2009 at 11:39 by Martyn Shaw.

Sell My Mobile

As the Christmas period moves ever closer many people across the world will receive a mobile phone for one of their gifts, but what happens to the old ones? Countless of old mobile phones are put into storage, thrown to the backs of draws and cupboards, and in some cases thrown away.

Can You Still Be Approved For A Credit Card?

Posted in Credit Cards, Credit Crunch, General on Tuesday, October 6th, 2009 at 09:57 by Jessica Haynes.

creditcard-and-shopping

News that HSBC and RBS are now only accepting credit card applications from their existing customers has some people wondering if they should even bother trying to obtain a credit card. The answer is yes, but you need to move quickly.

Are Your Credit Card Balances Out Of Control?

Posted in Credit Cards, Credit Crunch, Debt, General on Thursday, September 17th, 2009 at 09:21 by Martyn Shaw.

One of the outcomes of the recession is that many people who had no trouble keeping up with their credit card balances suddenly found themselves unable to manage them effectively. This was sometimes due to changes in interest rates, or because of the loss of employment and the subsequent drop in monthly income. Even with the recession waning, some households are still having problems managing their credit card debt. Here are some tips on how to improve your situation.