Debt carries a stigma, and you may be embarrassed or ashamed. Please don’t be. The numbers of people in debt are much higher than you will realise and although it may feel at times completely hopeless, there is always something that can be done to start your journey to get out of debt. … Read the rest
Continue ReadingIn its simplest form, a prove it letter is one you may have to send if you receive communications (usually from a debt collection agency) asking you to pay a debt which you feel you do not owe. They may simply have the wrong person, or it … Read the rest
Continue ReadingMy debt story began several years ago when I found myself with debt that was in the £1,000s. It was whilst my dad was terminally ill in a hospice and my employer at the time said I had to either come back or leave. Clearly I chose to leave and be with … Read the rest
Continue ReadingFirstly, I want to go on record and say that anyone who gets the conversations about money going and encourages people to face their financial situation cannot be all bad, however I do have major concerns about some of the teachings and quotes from the American Christian financial guru Dave Ramsey. He also happens to … Read the rest
Continue ReadingI started I Beat Debt to share my story of getting through the debt management process and to get people talking about money issues. I only have experience of my journey in and out of debt but there is so much more that people want to know about debt and related … Read the rest
Continue ReadingYou’ve probably all seen the television adverts for an Amigo Loan, even if you haven’t taken in what they are for. Guarantor loans, such as the ones by market leaders Amigo, are pitched as something that can improve your credit, help you get out of cdebt, and something your best mate can help you out … Read the rest
Continue ReadingI had some great feedback on my recent post about what “Confessions of a Shopaholic” teaches us about debt and I wanted to look at some other movies or books and look at what we can learn from money about them as well. If you don’t like “The Greatest Showman”, or you haven’t seen it … Read the rest
Continue ReadingThe Secret Dreamworld of Shopaholic book was originally published in 2000 and also known as Confessions of a Shopaholic. The series of books was written by the author Sophie Kinsella and they were a major ‘noughties’ book success. The title book was turned into a film starring Isla Fisher in 2009. Technically this post includes … Read the rest
Continue ReadingHave you ever heard a payday loan horror story? You may have, or you may be fortunate enough to not know anyone who has been in that position (or at least is prepared to talk about it). I am passionately against payday loans and guarantor loans. I have a lot of issues with the finance
I know this might not make any difference – but I need to tell you how your behaviour and irresponsible lending makes me feel. We started off on such a strong footing – everything was great. Having a credit card made me feel like a grown up. It was like a … Read the rest
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