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Melanie Taylor's Articles

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  • Debt Management and Credit Card Debts
    If you've ever found yourself struggling with repayments to your credit cards, then you'll know how quickly the debt can grow.
  • Don't Struggle Alone - Get Debt Help
    Trying to repay problem debts can be a daunting task. More people than you may think face the dilemma of how they can afford all of their commitments each month - and many people are left wondering how they are ever going to get out of the situation. Find out how debt advice can help you.
  • Where to Find Debt Management Advice
    A debt management plan could help you to make your debts more manageable. It is an agreement between you and your creditors, in which you will make reduced monthly payments towards your debts (based on how much you can afford once your essential commitments have been covered).
  • What are the Best Debt Solutions?
    A debt consolidation loan is a new loan you use to repay your existing debts in full, meaning that you will only have to make one payment each month instead of many.
  • Debt Management - How Does it Work?
    There are various ways in which you could become debt free, and debt management is one of them. Debt management could allow you to clear your debts at a pace that suits your current financial situation.
  • Debt Help - Don't Struggle Alone
    Getting out of debt isn't easy, but the right professional help can make a big difference. Debt professionals understand how debt 'works': they know which debts are for example, the highest priority.
  • Bankruptcies, IVAs & DROs Useful Information
    According to the Office for National Statistics, all the recent unemployment figures are bad news. The actual number of unemployed people has increased (to 2.22 million), and so has the unemployment rate (to 7.1%) and the claimant count (to 1.51 million).
  • Struggling With Debt, Have You Considered Debt Management?
    If you are struggling with unmanageable levels of debt, a debt management plan could reduce your monthly outgoings and make your debts manageable again.
  • Need to Know Debt Consolidation Advice
    Debt consolidation can allow people with multiple debts to both simplify their finances and reduce their monthly outgoings.
  • Seeking Debt Advice Early is Crucial
    When it comes to getting debt advice, it's usually a case of the earlier, the better.
  • A Comparison of UK Debt Solutions
    If you are looking to clear your debts, there are a number of debt solutions that may be able to help. Each one is designed to aid people in different situations and with different levels of debt.
  • How Will An IVA Affect My Future?
    An IVA is an agreement with your creditors in which you will repay a set percentage of your debts, based on how much you can afford, after which the remaining debt will be written off.
  • An Introduction to Debt Consolidation Loans
    A debt consolidation loan is a simple idea - a single loan that's large enough to pay off your existing debts. Different people do this for different reasons, but the most important benefits are straightforward: simplicity and affordability.
  • Debt Consolidation - The Advantages
    People in debt may be able to simplify their finances, reduce their monthly outgoings and reduce the interest rate they're paying on their debt with a debt consolidation loan

    It's a simple idea: a new loan large enough to pay off the borrower's other debts in one go
  • Debt Relief Orders - Some Advice
    When Debt Relief Orders (DROs) were introduced on April 6th 2009, many borrowers wondered whether this could help them put their debt problems behind them.
  • Debt Management - Let An Expert Deal With Your Creditors
    Debt management offers borrowers a way of dealing with the debt that they can no longer keep up with. The thought of lower monthly payments may sound like the most impressive benefit (and indeed it is, for many) but debt management offers other, less quantifiable benefits. For example, it means borrowers can let an expert deal with their creditors.
  • Are you Getting the Right Debt Advice?
    Struggling with debt can be a difficult and stressful situation, and it's easy to feel like you will never be able to find a way out.
  • Debt Consolidation - Loan or Mortgage?
    Quite simply, consolidation involves taking out a new loan or mortgage and using it to pay off multiple smaller debts.
  • Debt Management - Choose Your Approach Wisely
    Debt management basically means talking to your lenders and asking them to help you find a way you can repay your debts at a rate you can afford.
  • Write Off Debt With an IVA
    Borrowers who can't keep up with their debt repayments may be interested to hear they can write off a portion of their debt with an IVA, assuming they meet the strict criteria for an IVA - and assuming they can supply the necessary level of commitment

    An IVA (Individual Voluntary Arrangement) is a form of insolvency, and an agreement between a borrower and their non-priority lenders - so it covers unsecured debts like credit cards, store cards and personal loans, rather than secured debts like mortgages
  • Debt Consolidation - Advantages and Disadvantages
    People in debt may be able to simplify their finances, reduce their monthly outgoings and reduce the interest rate they're paying on their debt with a debt consolidation loan.
  • Debt Consolidation - Advantages and Disadvantages
    People in debt may be able to simplify their finances, reduce their monthly outgoings and reduce the interest rate they're paying on their debt with a debt consolidation loan.
  • Debt Management In A Recession
    When the nation's economy is doing badly, it makes sense to prepare for bad news. People tend to reduce their spending for all kinds of reasons.
  • Struggling With Debt? Get Professional Help
    If you're struggling with debt, rest assured you're not alone. Whatever financial problems you're facing, you won't be the first.
  • Is Debt Management Right For You?
    If you're in debt, you may be wondering whether debt management is right for you.
  • Are You in Debt?
    Are you in debt For most of us, the answer is a simple "Yes"
  • Is Debt Consolidation Right For Me?
    Like any debt solution, a debt consolidation loan is not right for everyone. Here we take a look at the pros and cons of debt consolidation loans, to help you decide whether it's your best way to get out of debt.
  • Getting Out Of Debt For Good With An IVA
    If you are struggling with unmanageable debts that you cannot see yourself repaying within a realistic period of time, an IVA (Individual Voluntary Arrangement) could help.
  • How To Regain Control Over Your Debts
    Regaining control of your debts can often be easier than you think. Here we look at a few simple changes to your financial habits that can make all the difference to your ability to repay your debts.
  • How To Regain Control Over Your Debts
    Regaining control of your debts can often be easier than you think. Here we look at a few simple changes to your financial habits that can make all the difference to your ability to repay your debts.
  • Considering Bankruptcy? Consider An IVA First
    Are you considering bankruptcy? Depending on your circumstances, bankruptcy may indeed be the best way forward, but there's a good chance there are alternative solutions to your debt problems - and it's essential you look into them before you commit yourself to anything.
  • Considering Bankruptcy? Consider An IVA First
    Are you considering bankruptcy? Depending on your circumstances, bankruptcy may indeed be the best way forward, but there's a good chance there are alternative solutions to your debt problems - and it's essential you look into them before you commit yourself to anything.
  • Choosing The Right Debt Solution
    If you're looking to get out of debt, choosing the right debt solution is important. Each debt solution is designed to suit people in different situations, and the right choice can make a big difference to how quickly - and how easily - your debt problems are solved.
  • Debt Management And Your Creditors
    A debt management plan is an informal arrangement between you and your creditors which allows you to repay your debts at a more manageable pace. You can arrange a debt management plan alone, but many people prefer to use a debt management company, who can negotiate with creditors on your behalf.
  • Debt Consolidation - Still a Viable Solution?
    In today's credit markets, loans have become relatively hard to find as well as more expensive. While they are still available, many people are discovering they can't find a loan charging the kind of interest rates we were used to seeing a year or two ago. Under these conditions, does debt consolidation still make sense?
  • Advice To Help You Manage Your Debt Properly
    The first and most important rule of debt management is that you should never ignore the problem. Your lenders will soon notice if you have been missing payments, and the consequences can often be serious.
  • Staying Out of Debt
    There are a number of ways to get out of debt - but once that's done, staying out of debt is just as important. It's easy to fall back into the same habits that led to your problems in the first place. However, by taking a few preventative steps, you can ensure that you stay in control of your finances and make it easier to stay out of debt.
  • IVAs - What They Are and How They Help
    If you are struggling with very large debts - usually 15,000GBP or higher - then you may be eligible for an IVA (Individual Voluntary Arrangement). IVAs prevent thousands of people from going bankrupt every year, and are widely considered a preferable alternative to bankruptcy.
  • Deciding On The Right Debt Solution
    There are a number of solutions for people who find themselves struggling with their debt, all of which are more suitable for certain situations or certain levels of debt.
  • Debt Help for Families - How Can We Get Out of Debt?
    Problem debt can be a big source of worry for anyone, but if you have a family to support, the matter can seem altogether more serious. It's important to understand that there are a number of things you can do to improve your chances of getting debt-free.
  • Using Savings to Buy Food and Pay Bills
    With living expenses rocketing and personal debt at record heights, people aren't just cutting back on saving - they're being forced to draw on money they'd already saved.
  • Debt Consolidation Rule Number 1 - Know Your Debt
    Tackling a problem is never easy when we don't truly understand it. Without understanding the debts in question, it's hard to know whether consolidating them is even the right debt solution!
  • Should I Consolidate My Debts?
    If you have multiple debts that you are struggling to deal with, you may have considered debt consolidation as one option. Debt consolidation is a good way of potentially reducing your monthly payments and simplifying your finances.
  • Debt Advice in a Slowing Economy
    A slowing economy is particularly bad news for people in debt. Shrinking incomes and rising costs of living can soon turn small debts into big debts - and big debts into much bigger debts.
  • Cancelling Holidays and Paying Off Debts - Good Sign or Bad Sign?
    If you're in a hole, stop digging - it's true of most things, and it's certainly true of debt. So maybe The Times brought us good news when it announced that 58pc of Britons were planning to cut back on their summer holidays, and 19pc cancelling their summer holiday plans altogether.
  • Debt Management: Pros and Cons
    This article takes a look at the pros and cons of debt management in terms of three topics close to any borrower's heart: saving money, reducing stress levels and protecting credit rating.
  • Debt Management: Pros and Cons
    This article takes a look at the pros and cons of debt management in terms of three topics close to any borrower's heart: saving money, reducing stress levels and protecting credit rating.
  • Managing to Eat - While Managing Debt
    The price of food is just another line on the growing list of financial pressures in 2008. Here are some practical tips for lowering your grocery costs without going on hunger strikes or taking up freeganism.
  • Debt Advice Information - A Government Requirement
    The right debt advice, at the right time, can make all the difference. How many struggling borrowers wouldn't be struggling today if they'd had a bit of guidance yesterday?
  • Debt Advice Information - A Government Requirement
    The right debt advice, at the right time, can make all the difference. How many struggling borrowers wouldn't be struggling today if they'd had a bit of guidance yesterday?
  • Government-Backed Debt Solution - IVA
    If you have debts of around 15,000GBP (or higher) that you are unable to repay, an IVA (Individual Voluntary Arrangement) is a Government-backed debt solution that could help you get back in the clear by writing off a substantial amount of your debt.
  • Making the Most of Your Money
    In the current economic climate, it's more important than ever to use your money wisely and secure your financial future.
  • Are You Unable To Save?
    It's well-known that the credit crunch and rapidly rising costs of living are affecting spending power, as well as the ability to obtain credit - but what about the other side of the coin?
  • The Real Cost of Living - And Why The Inflation Rate Tells a Different Story
    To those of us keeping a close eye on our finances, the official 3% inflation rate might seem a little short of the mark. In reality, the UK has recently experienced some much sharper rises in costs of living that are putting many people under serious financial strain.
  • Debt Consolidation - A Loan Unlike Any Other
    Debt consolidation loans stand out from the crowd. Unlike other loans, they're designed to help people deal with the debt they already have. So they're fundamentally different to other kinds of loan.
  • Debt Consolidation - Dos and Don'ts
    A few debt consolidation 'dos and don'ts' that should apply to just about anyone.
  • Debt Consolidation - Preventing Debt Problems at an Early Age
    Why has 'debt consolidation' become such a common phrase nowadays? Unfortunately, the answer's straightforward - it's because debt has become a way of life for so many.
  • Housing Market: Past, Present and Future
    It's been well publicised lately that the housing market is on the brink of a crisis - the market is faced with a vicious circle in which prices keep falling, but there are not enough mortgages being offered to increase demand.
  • Solutions to Debt - the UK's Top 5
    Take a look at the 'Top 5' debt solutions in the UK today: debt management, debt consolidation, IVAs (Individual Voluntary Arrangements), Trust Deeds and bankruptcy.
  • Top Debt Management Tips for 2009
    There are a number of things can do to help get yourself out of debt. Here are a few tips for making managing your debts easier.
  • Debt Solutions Compared - Debt Consolidation vs IVA
    Struggling with debt can be a very stressful situation. Your finances can become a constant balancing act - trying to pay the 'most important' debts while paying what you can towards others.
  • Debt Management or IVA?
    If you’re in debt, you may have heard of debt management plans and of IVAs (Individual Voluntary Arrangements) You may wonder how they differ and you may wonder – most importantly – which one could be right for you
  • Debt Advice and Access to Credit
    In the midst of the credit crunch, many people are likely to need debt advice – but some are simply more likely than others Although today’s economic problems are having an effect on just about everyone, they’re affecting different groups of people more (or less) than others
  • Debt Advice in the Credit Crunch
    Who needs debt advice According to the PricewaterhouseCoopers (PwC) Credit Confidence survey, 27% of UK ‘credit customers’ are concerned about their ability to repay debts in the future
  • Debt Advice in Unpredictable Times
    The less we know about what lies ahead, the more important it is to get the right debt advice, so we can take action - and be as prepared as we can be.
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