Many of us are now used to paying for our household bills by Direct debit, and we know the benefits that this has brought to many households up and down the country.  However many families can save more time and  money if they switch to paperless billing. Paperless billing is exactly what it says.  Instead of a utility company posting out a quarterly bill to your household, you simply log onto their... 

Household debt is a major problem in the UK.  Many households are teetering on the brink at the moment as wages fall, redundancy rises and inflation rockets.  In short many households are struggling to make ends meet at the moment, and many don’t know were to turn.  If you find that that you are struggling to pay your creditors and make ends meet then an Individual Voluntary Arrangement may... 

We are all aware that how we live our lives has an impact on the planet.  There is a massive push from all sections of society, from Government down to charities who all advise us to reduce, reuse and recycle.  It’s good for the environment, but it is also good for the pound in your pocket. Gone are the days when we thought that going green evoked images of people transforming their gardens... 

We all know that the price of electricity and gas is due to go up this autumn, and for many households this increase will throw thousands of households into fuel poverty.  However for those on benefits or have a low income help is available to save you money heating your home this winter. Unfortunately it can be a bit of a mine field in discovering were these grants are, as they are not all provided... 

The Internet has been about now for quite a few years, however it is still something that is evolving and changing constantly.  As a result many people have found many different ways to use the Internet to either supplement their income from paid work, or become self employed, and use the Internet as a tool for a full time income. And you can do it legitimately without being involved in any scam. ... 

We all know that the price of petrol at the pumps is at an unprecedented high.  In many cases the price at the pump is currently over 133 pence litre in some parts of the country.  The current high price is filtering down and leading to increasing costs of goods and services in the supermarket and stores right across the land.  This in turn is raising the rate of inflation and leading to greater... 

There is hardly a day goes past now when we don’t hear that another business fails.  From big household names like Woolworths at the start of the Credit crunch to very recent ones such as T.J. Hughes and Jane Norman.  Unfortunately it is a sign of the times, and it is likely that there may be more casualties on the High Street.  However many of us will find ourselves in a position were we... 

The bad news on the high street is that Inflation is continuing to increase.  Gas and Electricity prices are due to rise later in the year.  For many however  wages  have failed to keep pace with the rising cost of living.  As a result, many households up and down the country will be forced to look at what they are spending their money on, and look at ways to spend smarter so that they maximise... 

Recent changes to the Consumer Credit Act have now made it possible to “Withdraw” from a credit agreement.  The change, part of the Consumer Credit Directive came in force on the 1st of February 2011.  The Consumer Credit Directive – Withdraw, Not Cancel. Changes to Consumer Credit Legislation now fall under the scope of what is called the Consumer Credit Directive, or CCD for... 

Over the past decade there had been a steady rise of people purchasing their property using  interest only mortgages. For many people they helped them get onto the property ladder when prices were spiralling out of control, and made the repayments affordable. In the UK nearly a quarter of all mortgages are taken out as Interest Only Mortgages, and according to the FSA’s own research, only 15%... 

We are all looking at way to cut down on our spending, and save money.  However many of us can save even more money just by the way we pay our Bills. Direct Debit has been about for a number of years now, and millions of households up and down the country  have benefited from massive discounts on their energy and telecommunications bills simply by switching to Direct Debit payment. What is Direct... 

When ever you apply to a Bank or any other financial institution for a loan, a credit card, or even a mortgage or savings account you will be asked to complete an application form as part of the process.  The details that you give them are usually input into a computer system which will assess your identity and your ability to repay what you have borrowed. The information that you provide the lender...