Managing debt

8 tips for buying on hire purchase

With the Christmas sales period in full swing, there are lots of attractive finance deals out there.

40 months interest free! No repayments till May!

Glossary: interest
Money paid in return for the use of money. If the bank is using your money (in a savings account) they pay you interest. If you are using the bank's money (via a loan), you pay the bank money.

Mortgage holidays a last resort

In the past, some mortgages have allowed borrowers facing financial difficulties to take a "mortgage holiday" for up to three months.

Repayment problems

Problems managing your debts today can have a big impact on your financial future. Find out about your options and why it’s important to have a good credit history.

Going guarantor

When you guarantee a loan you make a legal promise to step in if the person who borrowed the money doesn’t make the repayments.

Personal loans

Getting a loan can be expensive, but if you know your options and shop around you will spend less.

Sort out how to make the most of your tax cut

The first of the tax changes announced in this year’s Budget kick in from 1 October. But now is the time to think about how to make the most of that extra cash in your pocket.

Getting rid of holiday debt

By now you will have received your credit card bill for what you spent at Christmas and over the holiday period. If there was a big figure at the end, you’re not alone.

Managing mortgages

At this time of year many of us come back from holiday intent on making some big changes in our lives – like buying a new house, or maybe even moving to a new town.  

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