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Debt Help and Advice for the UK

At some time or another during our lives most of us will overspend and get into debt. Sometimes we can get our finances back on an even keel by cutting down on a few luxuries.

It's a fact that there is now much greater and easier access to credit than there ever has been before. What people often forget is that, once they use that credit, they have taken on a debt. British consumers now owe more than £1,004,290,000,000 on credit cards, mortgages and loans. Some 1,300 different credit cards are available compared with only one in 1971. The average credit card limit is £3,000 though some people have cards with limits of more than £10,000.

Paying off the full amount you owe on your credit card statement every month means you are staying out of debt. However, once you slip behind and start to leave something owing month after month, you are beginning to get into debt and taking the first steps that could lead to financial disaster.

Almost 12 million people in Britain have a mortgage. That is a loan to buy your own home or, in other words, a debt you owe. Of course few of us can do anything other than take on a mortgage if we want to own our own home and there is always the possibility of selling the property and repaying the money.

So having debts is not the problem. The problem is letting debts build up to a point where you can no longer keep up the repayments or taking on more debt than you can realistically afford in the first place.

Greg Penn
http://www.debtandyou.co.uk

In The News:

FIFA u-turn over expanded 2022 World Cup
Wed, 22 May 2019 20:56:00 +0100
FIFA has said the 2022 World Cup in Qatar will not be expanded to 48 teams and will instead stick to 32.

Moderate Islamic scholars 'to be executed by Saudi Arabia'
Wed, 22 May 2019 11:49:00 +0100
Saudi Arabia is reportedly preparing to execute three moderate Islamic scholars despite the international outrage that followed the murder of journalist Jamal Khashoggi.

Voting to begin in the UK in EU elections
Wed, 22 May 2019 23:22:00 +0100
Voting will get underway in the UK today to elect MEPs to the European parliament.

N Korea responds to Biden jibe and calls him 'fool of low IQ'
Wed, 22 May 2019 09:08:00 +0100
North Korea has called Joe Biden a "fool of low IQ" and an "imbecile bereft of elementary quality as a human being" after he said Kim Jong Un was a tyrant.

British woman dies on Edinburgh-bound Ryanair flight
Wed, 22 May 2019 21:19:00 +0100
A British woman has died on a Ryanair flight as it was due to take off from Majorca's Palma Airport.



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