Licensed credit brokers. Elements4Finance, 192 Derby Road, Nottingham, NG7 1AF
Finance advice
Money makes the world go round - or so the saying goes. It's hard to live life without money, struggling with debts, having difficulty paying the bills each month.
For those of you who have enough money to meet your monthly committments with extra left over to spare, this page is not for you. If you are looking for ways to make more money or invest your current wealth you might like to follow these links - savings, investments.
For everyone else please continue reading - we are here to help you and, hopefully, to make your day-to-day financial life better.
Before we can offer any general advice we need to know what your problems are. If you would like to discuss them in confidence with one of our advisers please call 0800 279 6000 (it's free too!). Alternatively fill out our online finance enquiry form and we'll contact you.
How do I get out of debt?
This is a common problem. The pressure of daily life in the UK and the cost of living mean that many people are spending more than they earn each month. Commonly this is via credit cards with high interest rates. If you do this for too long you will soon run up large debts.
Initially you may be able to service the debts, making the minimum monthly repayments on your credit card, taking out new cards promising low rates for balance transfers, but the situation is just getting worse each and every month as you slip further into debt.
If your finances are in trouble you might like to consider consolidating all of your current debt. This may be in the form of a low rate loan to clear all of your credit cards, or maybe even a remortgage to completely settle all of your existing committments and start afresh. We can help you with all types of debt consolidation and offer you a free quotation - click below.
It's important to recognise that once you have consolidated your debts and got your finances back on an even keel you must not slip back into your old ways. It's a vicious circle and you don't want to get back into debt and need help again in another six months.
Think about what you actually spend your money on each month. Are there things you could live without? Make a budget that you can stick to which you can afford out of money you are earning.
Maybe you can consider earning extra income? Is there a way you can bring in a little more money to make life easier?
Whilst debt consolidation is one type of finance you might consider, there is a way of sorting out your debt problems without taking a further loan. This is called debt management. For more information on this process please visit Debts2Go Debt Management
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE 12.9% APR TYPICAL
OR ANY OTHER DEBTS SECURED ON IT.
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