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Nowadays most people have at least a little debt to their names. Student loans, credit cards, bank overdrafts. Whatever type of debt you might have, it is easy to sweep payment reminders under the carpet and turn a blind eye to final notices. But things needn’t reach this point. Here are some easy ways to taking the first steps towards clearing your debt. Assess your Financial Situation The first step to resolving cash flow issues in your life is to assess your debt. Sit down and make a note of all of the money that you owe out. No...

Different types of Life Insurance allow you to gain a return off of your investment towards your untimely fate on this planet. Seems a little dark to be able to gain tax free benefits while trying to gauge when you are going to kick the bucket. However, if you are going to have to leave this planet; Then you might as well make some cold hard cash. Let us look at two of the better investments you can make towards life insurance and a positive return. A lot of people opt for a no exam life insurance policy but for those looking for a policy...

Saving money isn’t the easiest thing in the world – but there are ways you can make it easier on yourself to save money in your everyday life… Start Cooking From Fresh Prepackaged and pre-prepared food tend to be a lot more expensive than buying fresh food and cooking it yourself. Of course, homemade birthday cakes tend to end up being extremely expensive once you’ve bought all the ingredients, but sauces and meals are a lot more financially savvy to prepare yourself from scratch. They also end up being a lot healthier...

Most people tend to be relatively concerned with their finances. This is pretty understandable. After all, whether you like it or not, your finances play a very large role in dictating what it is that you can actually do both in the long and the short-term. However, even with this attitude, there’s one thing that far too many people seem to neglect: saving. There are a lot of reasons why many people don’t bother to save their money. Some people would simply prefer to spend their money on things that they enjoy right now rather...

Whether you are renting out your home. Whether you are buying-to-let. Or whether you are building to let. There are always ways a landlord can win at the game of renting. They just have to be able to be brave enough to take the plunge and become a landlord in the first place. Once that is done, then the new landlord should begin to take the advice below into consideration. If you are the new landlord in question then the first thing you should be doing is starting to understand all the responsibilities you now have. Yes, it’s a business...

There are close to 320,000 British expats who’ve made their home in Spain, and at just over 20%,they make up a substantial portion of Spain’s foreign property buyers. Anyone applying for a mortgage from a Spanish bank would probably not have noticed a hidden ‘floor clause’, tucked away in the small print, which capped minimum repayments above the advertised interest rate. After many years of legal battles this clause hasnow been declared void and abusive, and in this article, we explain what the floor clause is and how mortgage...

Most young people are relatively unfamiliar with the world of credit and finance. This inexperience can lead to mistakes, and some financial mistakes can have long-lasting repercussions. However, students who are responsible and educated about credit can successfully begin a good credit history, which is one of the fundamental building blocks of financial success. While building a credit history from scratch can be a difficult task, college students have some unique opportunities that other young people do not. One such opportunity that...

When operating a small business, you need to use lines of credit as well as available capital to solve cash flow issues. However, most startups do not have enough cash, making it necessary to obtain a business credit card. Businesses have large expenses and you do not want to be personally responsible for them. This means that funding your business expenses with your personal credit card is not a good idea. Although getting a business credit card might seem daunting, it is not that hard. Here are some tips that will come in handy: Check...

If your credit score is below 630, it is bad. However, this does not have to stop you from getting a loan. Some lenders only cater to people who have bad credit. Although such companies take credit histories and scores into account when deciding whether to give you a loan, their requirements are more flexible than those of banks are. While loans from online lenders who are reputable are good options for most people, you should first visit your local credit union before trying your luck on the web. Most credit unions have lower rates of...

If you think that the only thing that can save you from the burden of debt is filing for bankruptcy, you are wrong. Debt settlement is another option that lets you eliminate debt quickly. However, you first need to understand the difference between debt settlement and bankruptcy. Debt settlement This option can help you to eliminate your debts by paying less money than you owe. With the help of a debt settlement company, you will be able to negotiate lower payoff amounts with your creditors. By paying a single bill to a debt settlement...