Improve your Finances

If you’re trying to make ends meet, earning a few extra pounds working at home may seem to be the obvious solution. But there are plenty of other ways of making yourself better off without earning a penny more. Take a look at some of these ideas.

Credit Card Offers

If your finances are basically sound, then you may want to look at the different benefits and introductory offers from various credit card companies to get added value from your card. Take a look online to find the best deals.

Restructure Your Debts

If you have a number of debts in different places – credit cards, overdraft, loans etc. the solution may be as simple as restructuring the borrowing into one loan at a lower rate of interest. The following options are worth a look.

click hereLoanline are one of the fastest growing credit brokers in the UK and are not tied to one lender, thereby offering a wider choice at the most competitive rates. Borrow any amount between £5,000 – £100,000 over any term from 5 to 25 years, regardless mortgage & credit arrears, CCJ’s and bankruptcy.

Debt Advice

The National Debtline is a helpline that provides free confidential and independent advice on how to deal with debt problems. On their website you can:

* Download an information pack to deal with your debt problems. This includes information on how to work out your personal budget, how to decide which debts to deal with first (priority debts, how to work out offers of payment and how to deal with court procedures

* Use their personal budget section to work out what repayments you can afford.

* Use a suite of sample letters to write to your creditors.

* Visit their debt advice section to get information that may help you deal with your debt problem.

* Access a library of fact sheets.

* See if you can pay your debts via a Debt Management Plan (DMP)

Citizens Advice Bureau offer a wide range of fact sheets on all aspects of debt, including:

* Court fines

* Council tax arrears

* Dealing with people you owe money to

* Gas and electricity arrears

* Help with debt

* How county court judgments affect your credit rating

* Income tax arrears

* Jargon buster fact sheet

* Mortgage arrears

Why not look at our page on how to make money online