Debt Management

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Reduce your debts quickly
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A Real Life example of how our services changed
one customer's life for the better...

Mr A. of Guildford contacted us in October 2006. He was at his wit's end. Having purchased his home earlier that year, he had no equity to borrow against, and the mounting costs of his new home and supporting his wife and two young children had quickly put him £50,000 into debt.

His monthly minimum payments were over £900, and even at this level he was only repaying the interest each month - the original debt was not even reducing. After his mortgage and these payments, there was barely enough left for his family to live on.

Gradually things got worse. Mr. A. started to miss payments on his credit cards and mortgage - his wife was concerned that they were going to have their beautiful new home repossessed by the building society. She saw one of our adverts and begged him to take action before it was too late.

Our professional qualified advisors arranged an Individual Voluntary Arrangement (IVA) for Mr.A which meant that his debts could be repaid at £325.83 per month, payable over 5 years. Now he will repay a total of £19,549.80, instead of the £50,000 plus interest that he owed. Over the 5 years, that's a saving of over £84,000! Yes, just by talking to us, Mr. A saved over eighty four thousand pounds.

Mr. A and his family are now more relaxed and confident that they have enough money to pay their mortgage and enjoy the good things in life. And best of all, in 5 years, they will be 100% debt free.

Prevent Debt from Destroying Your Life

Even if the only thing you have achieved is a messed-up financial life so far, there is still hope. Maybe now is the time to take full control of your situation and get back to a normal life. Prevent debt from destroying your life by considering these helpful tips:

1. Create a debt management plan by sitting down and working out how much you really owe. Be honest to yourself to prevent from storing up more problems in the future. If you see that your debt repayments are taking more than a 20% share in your monthly income, then you are going to the danger zone. You must think of ways to step back.

2. Watch how much you spend daily. Withdraw the amount of money you need for a week and then give your card to a family member or friend for safekeeping. This way, you can limit your spending to the cash that you have.

3. Don’t ever make the mistake of borrowing more money until you have paid all your existing debts.

4. Make sure that you’re paying your utility bills by direct debit. This will make your life easier to manage because you are assured that your payment will arrive on time. Therefore, eliminating unintentional late payment fees.

5. Schedule the repayments for your debt management plan and draw up a budget to avoid spending too much. Be very realistic to fit all your expenses into your budget.

6. Since your mortgage is the biggest expense that you are paying each month, it’s very important that you’ve got the best deal possible. If you think that you can save a lot of money by remortgaging options, then make that switch.

7. Also, hundreds of pounds can be saved each year on phone bills, water, electricity, and gas when you switch to a cheaper provider.

8. Another switching option is for your own loan or credit card. If you can find another one with a lower interest rate, then you better go make that switch. The more savings you have on your monthly payments, the more money you can apply to add to your monthly amortization, therefore reducing your overall debt faster.

9. Cut your existing store cards. It’s a proven fact that store cards are charging the highest interest compared to all sources of credit. If you want your debt management plan to work, throw these things away to avoid the temptation of using them. Remember, it’s better if you pay cash until you settle all your debts. GP

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