Melanie Taylor's Articles in Business

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Debt Advice & The Pre-Budget Report Debt advice played an important part in the Chancellor�s Pre-Budget report, revealing just how important the Government thinks it is for people with debt problems to seek debt advice earlier, rather than later On direct Are Loans Getting Cheaper? The cost of loans and mortgages to consumers has been an important issue throughout the credit crunch Following years of relatively cheap, relaxed lending, major economies are now experiencing heavy losses from unpaid loans � and as a result, lenders have made their loans more expensive (in the form of higher interest rates) and more difficult for consumers to obtain Debt and Debt Management For Parents Three quarters of parents have debts in the form of loans, credit card debts and overdrafts, according to 'Families and the credit crunch 2008', a report released in November by the Family and Parenting Institute, based on a YouGov survey of more than 5,000 parents The average debt, apparently, is �8,400, but parents don't just owe money to companies � according to the survey, a full 25% have borrowed money from (or been given money by) their own parents in the last year Debt Consolidation v IVA? Why do people consolidate their debts or enter into IVAs (Individual Voluntary Arrangements) People in debt may be looking for a debt solution that can reduce their monthly debt repayments and help them get out of debt at a rate they can afford Loans, Lending & LIBOR Every time the Bank of England�s (BoE�s) base rate goes down, the price of some existing loans and mortgages � known as �tracker� loans and mortgages � will change immediately After all, they�re called tracker loans and mortgages because they track the base rate Is Debt Consolidation the Best Debt Solution in a Recession? Is debt consolidation the best debt solution for me Now that we�re in a recession (according to the Ernst & Young ITEM Club Autumn forecast), there�s a real need for people with debt problems to understand the differences between debt consolidation and the various other debt solutions available � and understand which one could be right for them at a time like this 5.2% Inflation � Is it the Peak? In September, inflation reached 52% - the highest for 16 years I�m in Debt � What Are My Options? �I�m in debt How do I get out of it Quick Guide to Choosing a Car Loan For most people, choosing a car is a slow, well-thought-out process � and choosing a car loan should be much the same However, many people simply go with whatever finance deal they are offered at the showroom, even though there may be much better car loans on the market Debt Consolidation Remortgage: Some Things to Consider If you have several debts you are looking to repay, a debt consolidation remortgage could be the answer It allows you to consolidate your debts as part of your mortgage terms � effectively adding your debts to your mortgage Debt Advice � Tips on Avoiding Repossession When a homeowner faces the threat of repossession, finding a way to make those monthly mortgage payments jumps to the top of their priorities list Their first port of call should really be their mortgage lender, who may let them reduce or reschedule their payments until they can get their finances under control again 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 58% of Britons were planning to cut back on their summer holidays, and 19% canceling their summer holiday plans altogether 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 According to a new report from Scottish Widows, one in three UK citizens feel they can no longer afford to put aside any savings for the future 4.1 Million Use Credit Cards For Mortgage or Rent There�s nothing wrong with debt in itself Without debts such as mortgages and car loans, we wouldn�t be able to live our lives the way we want 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 It may well be above the Government�s target of 2%, but to most UK households, a 3% rise in average costs would be affordable, if a little inconvenient Debt Consolidation � Dos and Don�ts You�ve probably heard all kinds of stories about debt consolidation Some of them portray it as the simplest and best way out of debt Why Choose Debt Management? Why choose debt management Some debt solutions seem to offer a lot more for a lot less, so why would anyone select a solution that doesn�t promise an easy way out 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 Debt Management: Pros & Cons Anyone who knows something about debt probably knows something about debt management companies � professional firms who will manage an individual�s debts on their behalf 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 Let�s Talk About Debt: A Problem Shared Is A Problem Halved When people don�t talk about their debt problems, they�re missing out on support and advice from family, friends and professional debt specialists As a nation, we love to talk

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