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If you’re in debt, what can you do about it? What should you be aware of?
This article was first sent to Fools as part of our Afternoon email series.
Since the credit crunch first hit last year, financial institutions have sought to rein in their lending (and diminish our spending!) by making it more difficult to borrow. However, the amount people owe on credit cards is actually still growing.
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Most of us find we’re in debt at some point during our lives. But how much is too much debt? And what can you do if you realise you’re in trouble?
Whatever you might think about consumer debt, there’s little doubt that it’s been ‘normalised’ in recent years.
The rise of credit cards has meant that more people have easy-access to debt than ever before. Up until last year, massive mortgages were readily available to home-buyers with small (or non-existent) deposits. In addition, thousands of young people sign up for student loans every year — but also end up using bank overdrafts and credit cards to keep them afloat while they study. (more…)
Debt consolidation is always tricky and if you don’t go by the rules, you might land up in great trouble. First of all you must remember that debt consolidators are not doing everything for you, they are just there to consolidate your debts. Most people think that their debt overload will be looked after wholly by the middle debt consolidators. Here are some of the best tips various analysts offer for consolidating debts. If you own a home and have some equity in it, you have a couple of options that are relatively low in cost. These are pretty straightforward and simple. But judge them by you own discretion.
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