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The Savvy Scot

Personal finance and lifestyle blog

Viewing posts tagged with: debt

Getting Help: The Debt Safety Net

By Pauline

Getting Help: The Debt Safety Net. Debt relief is an umbrella term to describe any financial measure to get out of debt, either through a DIY strategy or by enlisting a company. #debt #debtsafetynet

It’s a fairly unwise to downright-ludicrous strategy to live life with the expectation of having a safety net, or a “get-out-of-jail-free-card.” It’s that type of invincibility that can destroy people’s lives, or even take them.   When it comes to the growing debt problem in the U.S., invincibility might not be the issue as much… Read more

Filed Under: Money Tagged With: debt

Ways People Get Out From Under Debt

By Pauline

Ways People Get Out From Under Debt

There are many reasons that people find themselves in debt. If could be a job layoff, a new baby, a new home or simply poor money management. If you are also in over your head or owe out more than you are comfortable with, there are ways to reduce it and get back on track…. Read more

Filed Under: Money Tagged With: debt

5 Hacker Tips to Getting Out of Debt Fast; Even on a Low Income!

By Pauline

5 Hacker Tips to Getting Out of Debt Fast; Even on a Low Income!

Being debt free is critical for any family out there to achieve a positive financial future. So, if you have been putting off paying debt on any income, you just have to find a way out. If you don’t, your financial future will likely feature more debt, constant financial stress and even strained family relationships…. Read more

Filed Under: Money Tagged With: debt

The Reasons Why People Get into Debt

By savvyscot

The Reasons Why People Get into Debt

When we are born, we have no debt. We don’t owe anyone anything. Yet the average person has thousands of pounds in credit card debt. The purpose of this blog post is to flesh out the reasons for the change. Do people get debt because they can’t help but get debt? Or have they made… Read more

Filed Under: Personal Finance Tagged With: debt, Get into Debt

How I cleared £10k of Debt whilst my Girlfriend was Pregnant

By Pauline

How I cleared £10k of Debt whilst my Girlfriend was Pregnant

Good morning everyone! Today, I have a guest post from Steve Hoyles, a personal trainer who writes at www.hoylesfitness.com. Let me know if you would like to guest post on Savvy Scot!    I want to share my story with you all. A story of how I cleared £10,000 of debt in 10 months whilst… Read more

Filed Under: Personal Finance Tagged With: debt, paying off debt

Retirement Pitfalls & How To Avoid Them

By Pauline

  Everyone knows that, however much we plan for the future, things will inevitably occur that upset our carefully worked out strategies. The trick here is not to fall into the trap of thinking that there’s no point planning! However close or far away to retirement you are, there are pitfalls to avoid and positive… Read more

Filed Under: Money Tagged With: 401(k), bingo, casino, contribution, debt, healthcare, lifestyle, Money, mortgage, retire, retirement, saving

Debt consolidation: Make your finances work for you

By Pauline

Debt consolidation: Make your finances work for you

Make no mistake about it, these are financially difficult times to be forging your way in life. Extortionate education costs, sky-high rents, eye-popping property prices… the list goes on, and, needless to say, it’s easy to see how a cycle of debt can perpetuate itself over the course of our lives. One thing it has… Read more

Filed Under: Money Tagged With: debt, Debt consolidation

What Does An Increased Debt For the Economy Mean For Us As Consumers?

By Pauline

  The economy has recovered. We’re sorted, back to normal, we’re flying again! Well, that is what the government would have us believe, but many are a little hesitant to just believe them and rest assured that we aren’t going to have a repeat of the triple dip recession that brought our country to its… Read more

Filed Under: Money Tagged With: debt

New year financial boot camp: lower your monthly debt payments

By Pauline

Debt Payments

Are you ready to kick start the new year with a bang? To help you do just that, I have put together a month long financial boot camp, with one or two tips per week and a call to action. Together, we will review several aspects of your financial life to make sure you start… Read more

Filed Under: Personal Finance Tagged With: debt, monthy debt payments, payments

Paying off your mortgage early is easier than you think

By Pauline

Refinance your Mortgage

Five years, ago, I took out my very first mortgage and bought a three bed flat over the next thirty years. Interest rates were low, so I opted for an index tracker that hasn’t moved since. One of my favourite features about that mortgage is the ability to make small repayments whenever you feel like… Read more

Filed Under: Money Tagged With: bank, borrow, debt, lender, Money, mortgage, pay off, refinance, retirement

How to keep your credit rating positive

By Pauline

  If you’re a new, up-and-coming business it’s important that your credit rating is positive and clear of any misdemeanors to ensure you can obtain loans and help your growing enterprise excel. There are many ways to improve credit rating and just as many things you can do to tarnish your report. Steer clear of… Read more

Filed Under: Money Tagged With: bank, borrow, Business, credit, debt, loan, rating, score, store card

Recovering from bad credit? Tips to get you back on track

By Pauline

Recovering from bad credit can be a long process. At times it may even seem like you’ll never break out of the rut … but there are ways of securing your place in the black and out of the red. Here’s how. Get reviews from credit bureaus When you receive the review make sure the… Read more

Filed Under: Money Tagged With: afford, bad credit, borrow money, credit, creditor, debt, debtor, loan, owe, repay, unpaid

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