A UK Personal Finance Blog – The result of direct exposure to the fallout of the financial crisis.

Is it buy now pay later or buy now pay more?

Find in Debt August 24th, 2012 - 8,819 views

There are many things that happen in life which need quick and decisive action. Things like the washing machine breaking down when you need to get the kids’ school clothes clean, the car conking out which you avidly rely on to ferry you to work every day or your TV going on the blink when […]

Economic Recovery Painful for All

Find in Debt May 23rd, 2011 - 7,964 views

Article provided by Debt Support Trust – A registered charity. The economic recovery in the UK is slow and painful. People and businesses have been feeling the strain for almost three years now and it doesn’t show any sign of easing up.  As inflation between March and April continue to rise, the increased cost of […]

Coping Classes – the bigger picture.

Find in Debt April 8th, 2011 - 5,911 views

A recent report launched by Friends Life finds that the combination of the recession and spending cuts has brought about profound changes in the way in which generations within families support each other. This information comes to the fore as 44 tax and benefits changes are introduced which could wipe billions off household incomes over the next […]

Risk Based Pricing & Responsible Lending – some thoughts…

Find in Debt April 6th, 2011 - 6,398 views

In a nutshell risk based pricing is the reason why people with a poor credit score pay higher interest rates for credit. It is standard practice to charge a higher rate of interest to a customer who is considered ‘higher risk’. The price is based on the perceived risk involved in lending money to someone who might […]

UK National Debt

Find in Debt October 29th, 2010 - 15,295 views

I was going to write an article about the national debt and where it is, who owes it to who and for what etc. but when I started my research I found out somebody has already done a far better job than I would have! So here it is: http://www.economicshelp.org/blog/uk-economy/uk-national-debt/

Insuring Debt is Stupid

Find in Debt January 19th, 2009 - 6,944 views

With talk of £300BN being used to insure banks bad debts it rang alarm bells because it’s one of the prime factors that has seen Western economies fall to their knees. Do you know what a ‘Credit Default Swap’ (CDS) is? It’s a bit like an insurance policy to protect against defaults on debts. But it’s […]

Is an IVA the best solution?

Find in Debt January 17th, 2007 - 3,866 views

This is a question that has arisen a few times and the answer appears to be, maybe not. There are certainly options to consider before making the decision and those are: Remortaging – As a homeowner, I can see that it makes the most sense to top up a mortgage to get at the equity […]

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Any information shared on UKMoneyPot does not constitute financial advice. The Website is intended to provide general information only and does not attempt to give you advice that relates to your specific circumstances. You are advised to discuss your specific requirements with an independent financial adviser.