00:01 | 04 Jan 2009
| By
Lorna Bourke
Generally yes – but you must treat the information with caution.
12:27 | 03 Nov 2008
| By
Lorna Bourke
Credit reference agencies maintain files on all your borrowings, and any arrears or defaults will affect your ability to borrow in future.
00:01 | 20 Jun 2008
| By
Lorna Bourke
It could be useful if you need to reduce your monthly repayments on borrowing, but the overall cost may be higher.
13:00 | 12 Jun 2008
| By
Lorna Bourke
No – you are addicted to overspending
12:24 | 03 Jun 2008
| By
Lee Robertson
‘Neither a borrower nor a lender be’; just how relevant is that advice today?
09:00 | 22 May 2008
| By
Lorna Bourke
Taking positive action now can help you deal with debt problems before they get out of hand - otherwise organisations such as Citizens Advice Bureau or National Debtline can provide valuable advice.
00:14 | 01 May 2008
| By
Joss Harwood
Nobody has an automatic right to credit. Now that borrowing is harder, it’s more important than ever to make sure your record is smartened up to impress choosy lenders.
11:48 | 01 Mar 2008
| By
Lorna Bourke
Few individuals sit down and work out all their inescapable outgoings and set them against their income. But unless you keep your spending within sensible limits, leaving a margin for savings, you can easily find yourself in trouble.
07:00 | 28 Feb 2008
| By
Lorna Bourke
Credit cards can be used to pay for goods and services or withdraw cash up to a pre-agreed credit limit.
15:35 | 27 Feb 2008
| By
Lorna Bourke
15:28 | 27 Feb 2008
| By
Lorna Bourke
14:51 | 27 Feb 2008
| By
Lorna Bourke
Personal loans are usually cheaper than overdraft or credit card borrowing but you must repay the loan within an agreed period and if the borrowing is secured against your home, you risk repossession if you default on payments
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