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It seriously shocks me the amount of people who are desperate for help with their debts but put it off time and time again. Constant arguing with their partners over money (or the lack of it) coupled with sleepless nights and that deep pit of dread every time the door chaps or the phone rings. Why, when there is so much help, in terms of free debt advice and painless debt solutions, do people refuse to bite the bullet? At Don’t Fret About Debt, we see a huge number of people who come to us for help, however don’t progress...

Buying nice things and treating yourself may seem like a thing of the past for some people, and for others, they have never experienced an impulse purchase or a new outfit, just because. It’s not that they’re skint due to far too much debt, massive mortgage repayments or a squad of kids bleeding them dry, it’s simply that they can’t manage their money. They never have enough and their savings are non existent. On paper, Jimmy and Sally have over £400 surplus each month according to their income and expenditure, but when I advise them of this, Jimmy’s manly tone...

Credit cards are a wonderful thing. It’s a guarantee that you’ll never ever be without. No worrying how you’ll fill up the car with petrol when you’ve £7 left till payday or when your shoe starts taking in more water than your kettle. It’s our flexible friend as long as your 0% still has months to run or you only use for emergencies and pay it off each month, in full when you get paid. What happens though when you’re sitting with a £4000 balance on a high interest rate card? The average credit card interest rate is 17.5% according...

There are a number of companies out there offering free debt advice and you should ensure you chose someone who will give you the best advice based on your own personal circumstances. Someone who won’t advise you to sign a Trust Deed just because that’s their preferred option even if it’s not best for you. The companies you see on the TV and/or radio (ourselves included) are guaranteed to be the ones you think of first and let’s face it, it’s thrown in your face enough. Between Don’t Fret about Debt.Net and our “annoying jingle” that you can’t stand but...

We’ve all witnessed the level of consumer pain caused by payday lending. The recession has driven more and more consumers towards this form of borrowing since credit from the banks dried up, even though the APR on these can be as much as 4,000%. The biggest problem with payday loans is that the majority of borrowers do not use them as they are intended, and this causes the snowball effect. They go back for more, time and time again and rolling over becomes a habit – an expensive one! Here’s the Numbers With the OFT publishing their report on Payday...

MAKE reducing debt your priority in 2013, says Nicola Standen of Campbell Dallas, chartered accountants. It’s amazing how much motivation everyone seems to have at the start of the New Year, even though our kitchen cupboards and wallets are pretty bare. Most people resolve to join a gym – just as soon as they’ve polished off the steak pie and the cheese board. Think of the money wasted on unused gym memberships each month. So this year, why don’t you make a resolution that doesn’t involve physical exertion? How about one that will let you sleep a better at night?...