Debt Help in General Reviews

I like many others on here and outside in the "real" world know what it's like to be in Debt. The nerve-wracking daily wait for the post to be delivered is as bad as the constant ringing of your phone and you find yourself spiralling in a downwards direction seemingly with no hope of ever getting out of it. Banks do not help, ...  Read the complete review

If you are in debt, the only place I would ever advise anyone to go is to Citizen's Advice Bureau (CAB). Here is an account of my experience with them when I was 19: I was about £13k in debt, as a full time student people just kept throwing money at me. I would spend the money on my rent, food shopping, clothes, records, utilities, ...  Read the complete review

Over the last twenty years or so, having a credit card (or two) and a loan (or two) has become the norm. Before that, borrowing criteria was stricter, and the banks were not so eager to lend cash, whether for general spending, or for house purchases. With the ease of obtaining credit, whether by using catalogues, applying online for ...  Read the complete review

In today's economic meltdown where money is almost being hemorrhaged by the financial systems put in place to look after it, we all need any tips, tricks and secrets to save money. Obvious those of you with credit cards, will be wanting some inside information that you may not have known about. So here you are with an insider who will reveal 6 ...  Read the complete review

Having read some of the excellent reviews on this subject, and rather than expanding on, or adding to, previously introduced ideas and suggestions, I would like to make readers aware of a website that is, quite simply, the single most helpful resource I have yet found on the subject: - The Motley Fool - Dealing with Debt discussion ...  Read the complete review

Today (25th Feb 2009) is our debt free day: we have cleared £9000 of debt in the last 18 months, and here's how we did it! I recently saw a statistic that said it takes an average of 5 years before over-spending really catches up with you: for me that was spot on. At the end of 2007, I had been financially independent, ...  Read the complete review

Credit crunch is probably a phrase that's being woefully overused at the moment. Nevertheless there are probably a lot of people being watchful of what they spend at the moment and trying to make every penny count. Five years ago, or maybe even less, the current economic climate would have been almost devastating for our family. Today, despite my ...  Read the complete review

Firstly let me give you some information about us. Me and my husband are 24, and between us have £20k of debt on credit cards and loans. Now I can account for where some of the debt came from, such as £2k for our wedding, £5k on my car, £3k on my husbands car, £1k for furnishing our first home, but I cannot account for the rest. I believe that we ...  Read the complete review

I wish I could be writing this and telling you all about how I cleared my debt in six months. Tragically that is not where I am writing this from. Bit of background for you, 24 years old, married and in debt, £18k of it to be exact. This however is down from £27k in a year so really we're not doing too ...  Read the complete review

Before I start this review I just want to say that nothing in here is fact. It is all my personal opinions and my partner and I's journey to become debt free. I'm not saying that what we have done is the way everyone should do but it has worked for us so far. So basically what I am saying is take what you like and leave what you don't but don't ...  Read the complete review

Thanks to everyone who has nominated this review. It means a lot and I will see what will happens. Debt - perhaps an easy thing to get into, but ever so hard to get out of. I will tell my story. I know I'm incredibly lucky, and this is not written to gloat or rub peoples nose in it. It's just the story of what I went through, how I'm ...  Read the complete review

Let me introduce myself. My name's Kitschkitty and I'm a debtor. I've previously endured sleepless nights, I've heaped unopened bills and letters in drawers and I've ignored answering the phone and the door. Then, in an ironic twist of fate, I started working for a debt advice company and I finally realized I needed to face up to my ...  Read the complete review

The first thing to do if you have debt problems is to gather everything together and get a clear picture of the problem. Dig out credit card bills, utility bills, bank statements, threatening letters, and everything that comes under the heading of finances. Once you have them all on the table in front of you, settle down to make some sense of it ...  Read the complete review

The first piece of advice I would give to anyone finding themselves in debt is don't ignore it. It will only get worse. It may be difficult or embarrassing to deal with, but the sooner you start the better. First things first - get some advice. Your local Citizens Advice Bureau can put you in touch with someone qualified to help. Don't ...  Read the complete review

I'm not going to pass comment on how people get into debt, I'm not going to suggest that people who are in debt live in grand houses with 42" LCD TV's in each room as that is simply not the case for everyone. Yes there are people who find themselves sitting on a great pile of debt due to a liking for big TV's, fast cars ,designer clothes and ...  Read the complete review

It may sound extremely trivial, but the best way to avoid debt, is not to get into debt in the first place. If you think this is trivial, think again, because it is not. People get in debt also because they purchase goods and items they do not really need, and they do so when they do not have enough funds or money to do so. They resort ...  Read the complete review

In these modern times you are extremely lucky if you are living a debt free life. There are many many different forms of debt around - Student loans, mortgages, car finance, interest free credit, credit cards, store cards and overdrafts. Although these things seem like a good idea at the time it is worth remember that at some point all of this ...  Read the complete review

-The question of National debt!- Well I'm going about this topic in a different angle. I happen to believe that debt is not an individual problem but now is a national problem. Over the last ten years we the public have been bombarded with relentless amount of loans and offers of 'buy now pay next year' advertising. Millions have been ...  Read the complete review

Levels of debt seem to be on the increase due to the ease in which people can get hold of both credit and store cards as well as a general attitude in society that it is acceptable to buy now pay later for things that we want. You only have to watch daytime TV to see any number of firms advertising solutions to debt consolidation, some ...  Read the complete review

Being in debt can be very stressful, and it is extremely easy to become overwhelmed. I am going to give some general advice that should hopefully help people to remain out of debt or if you are in debt help you get out of it. Do you want to avoid debt? Keep a booklet with you at all times for a month and write every penny ...  Read the complete review