Tag Archives: debt

LETTER on how to cut wedding costs

I READ with interest your article the rising cost of weddings (“Spiralling cost of the bug day putting hole in our pockets”, The Herald, April 18). The enormous cost of weddings is no surprise, and given the publicity surrounding Andy … Continue reading

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Filed under Bargain hunting, Budgeting, Consumer Affairs, Personal Finance, Shopping, Social pressures, Weddings

The Credit Score of Fate

By Helen Lawless The concept of a credit rating, some arbitrary number decided by some strange algorithm, having sway over your financial fate – it’s rather alarming, isn’t it? Well, I’ve got news for you – young people need to … Continue reading

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Filed under Consumer Affairs, Credit, Debt, Loans, Personal Finance

Help is at hand for students who are fudgeting their budgeting…

You may have seen my recent feature on FOMO-affected students who are overspending to keep up with the Joneses (or should that be  the Kardashians?!)…You may be a student who is struggling to keep that urge to splurge under the … Continue reading

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Filed under Debt, Leisure, Loans, Payday loans, Personal Finance, Student Finance

How much do students rely on payday loans and how they can get out of a debt spiral?

Thousands of students could be directed to payday lenders by a growing pack of online brokers based overseas, as a new report warns that undergraduates are becoming resigned to debt. BY IONA BAIn The National Union of Students has stepped … Continue reading

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Filed under Payday loans, Personal Finance, Student Finance

The campaign for credit unions is gathering pace…

Iona Bain I’m not one for flashy infographics but one of the biggest forces for good in our society has to be the good old credit union, so happy to share this factsheet in order to fight the good fight. … Continue reading

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Filed under Payday loans, Savings Accounts

How young people can avoid a toxic debt trap

In association with Wilson Field By Iona Bain We may be finally pulling out of a painful recession, but are we turbocharging the recovery with worrying levels of debt? Forecasts from the Office for Budget Responsibility seem to suggest so, … Continue reading

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Filed under Consumer Affairs, Loans, Payday loans

Are you worrying about a New Year debt hangover? If so, read on…

IONA BAIN FOR THE HERALD A worrying new survey has found the majority of Scots, 55%, are getting used to living beyond their means, typically spending £119 that they do not have each month. Over a third now view their … Continue reading

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Filed under Consumer Affairs, Loans, Payday loans, Personal Finance, Shopping

Has the short-term credit market reached a new low with ‘Loans for Poor People’?

Online loan companies and brokers are using tawdry tactics to try and attract vulnerable customers – what can we do to make sure this doesn’t have terrible consequences? by iona bain New rules were ushered in this year to ensure … Continue reading

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Filed under Loans, Payday loans, Personal Finance, Technology

What to consider BEFORE you invest – guest tips from Nutmeg

I was recently contacted on Twitter by a young lady who wanted to know more about Nutmeg, an online investment manager. As well as giving her my own views on whether investing is ever suitable for young people, I thought … Continue reading

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Filed under Investments, Personal Finance, Savings Accounts

A graduate’s guide for survival

ORIGINALLY PUBLISHED IN THE DAILY MAIL by IONA BAIN Thousands have been celebrating the end of a degree course this summer and are looking forward to life after university. But whether you’ve graduated  yourself or have a child or grandchild … Continue reading

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Filed under Banking, Graduate finance, Personal Finance