You go to the supermarket and purchase items that you always have at home on one occasion. Then, two weeks later, you repeat the action, only to discover that what you purchase is somewhat more expensive than before. What’s going on here? The following explains how inflation is responsible for this problem. Bartering has evolved […]
What Is Inflation? Key Things You Need To Know! Read More »
Payday loans are a common type of borrowing for people who have trouble managing their cash flow. They deal in short term loans. They allow you to take out a short-term loan and pay it back on the next payday. You can find short term payday loans online, an online payday loan, but not exclusively.
It is no secret that welcoming a new pet into your home will cost money. There are a wide range financial considerations, from treats and toy to medicine and microchips, pet ownership can sometimes feel like the monetary equivalent of a trying to fill a bucket with water bucket that has holes in it. According
Financial Considerations For Pet Owners – What You Need To Know Read More »
If despite your best efforts to cut costs, your energy bills are still high, it’s worth examining your unused appliances. This is a guide to save money on unused household appliances It’s tempting to believe that switching the switch is enough, but with most appliances still consuming electricity while plugged in and people’s finances being
A guide to save money on unused household appliances Read More »
Winter is the most beautiful season of the year and cannot come soon enough. With inflation at a 40-year high and almost everyone concerned about their finances, we would forgive you for not being overly cheerful this season. Below are some tips to financially prepare for winter. If you’re anxious about your money situation in
How to Financially Prepare for Winter – Top Tips! Read More »
If you don’t make your credit card or loan payments on time, you could get a default on Credit Report which will impact your score. Here’s what else you should know about defaults. The Consumer Credit Act is an important law that covers most commercial lending in the UK. It sets out what creditors must
With utility providers sent to increase energy bills by 80% next month with further significant rises predicted in January and April 2023, impacting millions of people across the UK, you may be wondering how you are going to be able to cope with the increased monthly expenditure. This is in addition to general inflation pushing
10 Ways to Save on Household Expenditure – Money Saving Tips Read More »
What is The Energy Price Cap? The energy price cap was designed to safeguard customers by restricting the rates that the energy market can charge them for each unit of gas and electricity they consume, as well as the maximum standing charge for access to the grids, using a formula based on their usage. It
Energy Price Cap – October & Beyond – The Cost of Living Crisis Read More »
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Become Debt Free specialise in providing and administering Individual Voluntary Arrangement (“IVA”) solutions to individuals based in England, Wales and Northern Ireland.  We do not administer Debt Management Plans, Debt Relief Orders, or any other debt solutions.  We only provide advice after completing or receiving an initial fact find where the individual(s) concerned meets the criteria for an IVA, therefore, all advice is given in reasonable contemplation of an insolvency appointment.
* To qualify for debt write off in an IVA with us, you must have a minimum of £7,000 of qualifying unsecured debt owed to two or more creditors.  The amount of debt write off is based on your own personal circumstances – typically this could be up to 85% of what you owe; and this has been achieved by over 10% of our customers who have successfully completed their IVA’s in the last 12 months. The amount of debt write off differs for each customer and is dependent upon their individual financial circumstances and subject to the approval of their creditors.
Andrew Bowers is authorised in the UK to act as Insolvency Practitioner by the Insolvency Practitioners Association.