payday loans: what you need to know
DESCRIPTION
Times are tough and staying afloat isn’t always easy. The cost of living is higher than it has ever been and more and more people are finding it difficult to meet all their regular financial commitments. Learn here some tips to help you get back on top of your debt.TRANSCRIPT
httpswwwflickrcomphotosthomashawk9276967484
IntroTimes are tough and staying afloat isnrsquot always easy The cost of living is higher than it has ever been and more and more people are finding it difficult to meet all their regular financial commitments
httpswwwflickrcomphotoscayusa1421443806
Where do you turn
bull A short term stop-gap loan can look a very appealing prospect
bull Get the cash you need immediately and worry about paying it back once yoursquove been paid
bull When keeping on top of your bills and regular payments becomes more difficult itrsquos only natural to start looking for ways to ease the burden
The debt spiral
bull You take out a payday loan and pay off your immediate obligations
bull Payday comes and you have to pay back your payday loan (plus interest)
bull You canrsquot meet all your regular monthly commitments again
bull Time to take out another payday loanhellip
httpswwwflickrcomphotosmarfis7511670069015gtmarfis75
Where does it end
bull Unless yoursquore expecting a windfall from somewhere itrsquos going to be hard to break free of this cycle
bull Borrowing money to service other debts isnrsquot sustainable
bull Itrsquos time to take ACTION
Is there a better waybull Therersquos always a better
waybull A lot of payday loan
companies and debt collection agencies act irresponsibly and against industry regulations
bull DO NOT let these companies intimidate and bully you
Underhand tacticsbull Trying to charge you multiple times for the same missed
paymentbull Calling and texting you to the point of harassmentbull Sending strongly worded letters that can seem threatening or
menacing
httpswwwflickrcomphotospumpkinjuice229764922
Donrsquot be afraid to ask for help
bull You arenrsquot the first person to fall foul of predatory payday loans companies and you wonrsquot be the last (sadly)
bull There are a wide variety of organisations set up to help people with debt problems
bull Seeking help and advice is your first step to recovery
httpswwwflickrcomphotospagedooley12373579054
Where to turnSome organisations that can help includebull The Citizens Advice Bureau (CAB) ndash
wwwcitizensadviceorgukbull The Financial Ombudsman Service ndash
wwwfinancial-ombudsmanorgukbull The Debt Advice Foundation ndash
wwwdebtadvicefoundationorgbull National Debtline - 0808 808 4000
httpswwwflickrcomphotosblyzz2804724227
Get on topbull Take time out to actually work out all your outgoings It
might be boring but it will help put everything in perspectivebull Have you asked your bank for help You may find they can
offer you a personal loan at far more favourable rates than a payday loans company will give you
bull Cut your unnecessary spending Do you really NEED satellite TV magazine subscriptions and membership at that expensive gym you donrsquot use Every bit you shave off your monthly outgoings is more in the bank for you
httpswwwflickrcomphotos23431635N063749110040
Make a planbull It can be all too tempting to bury
your head in the sand but you know the problem wonrsquot go away by ignoring it
bull Plan ahead What can you realistically afford to pay back in order to service your debts
bull Some creditors may be more flexible than others Yoursquove nothing to lose by trying to negotiate your terms You might be surprised at how willing some lenders are to help if they know you are struggling A responsible lender will work with you to make your repayments as manageable as possible
httpswwwflickrcomphotosrosengrant3572847910
Donrsquot panicbull It may seem easier said than done but getting worked
up about debt problems wonrsquot solve anything bull Donrsquot let debt worries take over your life and affect
your sleep your health and your wellbeingbull Recognise you arenrsquot alone and that help is available
httpswwwflickrcomphotosamymctigue3161095736
Focus on your goal
bull Once yoursquove made a plan yoursquove got a goal to work towards
bull Tick off milestones along the way no matter how small and yoursquoll feel yourself getting ever closer to the light at the end of the tunnel
bull Take each day one at a timebull Keep your discipline and concentrate on how
yoursquoll feel once yoursquove reached that promised land of being debt free
Follow me on Twitter
JeffNevil
httpswwwflickrcomphotosmkhmarketing8481608368
IntroTimes are tough and staying afloat isnrsquot always easy The cost of living is higher than it has ever been and more and more people are finding it difficult to meet all their regular financial commitments
httpswwwflickrcomphotoscayusa1421443806
Where do you turn
bull A short term stop-gap loan can look a very appealing prospect
bull Get the cash you need immediately and worry about paying it back once yoursquove been paid
bull When keeping on top of your bills and regular payments becomes more difficult itrsquos only natural to start looking for ways to ease the burden
The debt spiral
bull You take out a payday loan and pay off your immediate obligations
bull Payday comes and you have to pay back your payday loan (plus interest)
bull You canrsquot meet all your regular monthly commitments again
bull Time to take out another payday loanhellip
httpswwwflickrcomphotosmarfis7511670069015gtmarfis75
Where does it end
bull Unless yoursquore expecting a windfall from somewhere itrsquos going to be hard to break free of this cycle
bull Borrowing money to service other debts isnrsquot sustainable
bull Itrsquos time to take ACTION
Is there a better waybull Therersquos always a better
waybull A lot of payday loan
companies and debt collection agencies act irresponsibly and against industry regulations
bull DO NOT let these companies intimidate and bully you
Underhand tacticsbull Trying to charge you multiple times for the same missed
paymentbull Calling and texting you to the point of harassmentbull Sending strongly worded letters that can seem threatening or
menacing
httpswwwflickrcomphotospumpkinjuice229764922
Donrsquot be afraid to ask for help
bull You arenrsquot the first person to fall foul of predatory payday loans companies and you wonrsquot be the last (sadly)
bull There are a wide variety of organisations set up to help people with debt problems
bull Seeking help and advice is your first step to recovery
httpswwwflickrcomphotospagedooley12373579054
Where to turnSome organisations that can help includebull The Citizens Advice Bureau (CAB) ndash
wwwcitizensadviceorgukbull The Financial Ombudsman Service ndash
wwwfinancial-ombudsmanorgukbull The Debt Advice Foundation ndash
wwwdebtadvicefoundationorgbull National Debtline - 0808 808 4000
httpswwwflickrcomphotosblyzz2804724227
Get on topbull Take time out to actually work out all your outgoings It
might be boring but it will help put everything in perspectivebull Have you asked your bank for help You may find they can
offer you a personal loan at far more favourable rates than a payday loans company will give you
bull Cut your unnecessary spending Do you really NEED satellite TV magazine subscriptions and membership at that expensive gym you donrsquot use Every bit you shave off your monthly outgoings is more in the bank for you
httpswwwflickrcomphotos23431635N063749110040
Make a planbull It can be all too tempting to bury
your head in the sand but you know the problem wonrsquot go away by ignoring it
bull Plan ahead What can you realistically afford to pay back in order to service your debts
bull Some creditors may be more flexible than others Yoursquove nothing to lose by trying to negotiate your terms You might be surprised at how willing some lenders are to help if they know you are struggling A responsible lender will work with you to make your repayments as manageable as possible
httpswwwflickrcomphotosrosengrant3572847910
Donrsquot panicbull It may seem easier said than done but getting worked
up about debt problems wonrsquot solve anything bull Donrsquot let debt worries take over your life and affect
your sleep your health and your wellbeingbull Recognise you arenrsquot alone and that help is available
httpswwwflickrcomphotosamymctigue3161095736
Focus on your goal
bull Once yoursquove made a plan yoursquove got a goal to work towards
bull Tick off milestones along the way no matter how small and yoursquoll feel yourself getting ever closer to the light at the end of the tunnel
bull Take each day one at a timebull Keep your discipline and concentrate on how
yoursquoll feel once yoursquove reached that promised land of being debt free
Follow me on Twitter
JeffNevil
httpswwwflickrcomphotosmkhmarketing8481608368
Where do you turn
bull A short term stop-gap loan can look a very appealing prospect
bull Get the cash you need immediately and worry about paying it back once yoursquove been paid
bull When keeping on top of your bills and regular payments becomes more difficult itrsquos only natural to start looking for ways to ease the burden
The debt spiral
bull You take out a payday loan and pay off your immediate obligations
bull Payday comes and you have to pay back your payday loan (plus interest)
bull You canrsquot meet all your regular monthly commitments again
bull Time to take out another payday loanhellip
httpswwwflickrcomphotosmarfis7511670069015gtmarfis75
Where does it end
bull Unless yoursquore expecting a windfall from somewhere itrsquos going to be hard to break free of this cycle
bull Borrowing money to service other debts isnrsquot sustainable
bull Itrsquos time to take ACTION
Is there a better waybull Therersquos always a better
waybull A lot of payday loan
companies and debt collection agencies act irresponsibly and against industry regulations
bull DO NOT let these companies intimidate and bully you
Underhand tacticsbull Trying to charge you multiple times for the same missed
paymentbull Calling and texting you to the point of harassmentbull Sending strongly worded letters that can seem threatening or
menacing
httpswwwflickrcomphotospumpkinjuice229764922
Donrsquot be afraid to ask for help
bull You arenrsquot the first person to fall foul of predatory payday loans companies and you wonrsquot be the last (sadly)
bull There are a wide variety of organisations set up to help people with debt problems
bull Seeking help and advice is your first step to recovery
httpswwwflickrcomphotospagedooley12373579054
Where to turnSome organisations that can help includebull The Citizens Advice Bureau (CAB) ndash
wwwcitizensadviceorgukbull The Financial Ombudsman Service ndash
wwwfinancial-ombudsmanorgukbull The Debt Advice Foundation ndash
wwwdebtadvicefoundationorgbull National Debtline - 0808 808 4000
httpswwwflickrcomphotosblyzz2804724227
Get on topbull Take time out to actually work out all your outgoings It
might be boring but it will help put everything in perspectivebull Have you asked your bank for help You may find they can
offer you a personal loan at far more favourable rates than a payday loans company will give you
bull Cut your unnecessary spending Do you really NEED satellite TV magazine subscriptions and membership at that expensive gym you donrsquot use Every bit you shave off your monthly outgoings is more in the bank for you
httpswwwflickrcomphotos23431635N063749110040
Make a planbull It can be all too tempting to bury
your head in the sand but you know the problem wonrsquot go away by ignoring it
bull Plan ahead What can you realistically afford to pay back in order to service your debts
bull Some creditors may be more flexible than others Yoursquove nothing to lose by trying to negotiate your terms You might be surprised at how willing some lenders are to help if they know you are struggling A responsible lender will work with you to make your repayments as manageable as possible
httpswwwflickrcomphotosrosengrant3572847910
Donrsquot panicbull It may seem easier said than done but getting worked
up about debt problems wonrsquot solve anything bull Donrsquot let debt worries take over your life and affect
your sleep your health and your wellbeingbull Recognise you arenrsquot alone and that help is available
httpswwwflickrcomphotosamymctigue3161095736
Focus on your goal
bull Once yoursquove made a plan yoursquove got a goal to work towards
bull Tick off milestones along the way no matter how small and yoursquoll feel yourself getting ever closer to the light at the end of the tunnel
bull Take each day one at a timebull Keep your discipline and concentrate on how
yoursquoll feel once yoursquove reached that promised land of being debt free
Follow me on Twitter
JeffNevil
httpswwwflickrcomphotosmkhmarketing8481608368
The debt spiral
bull You take out a payday loan and pay off your immediate obligations
bull Payday comes and you have to pay back your payday loan (plus interest)
bull You canrsquot meet all your regular monthly commitments again
bull Time to take out another payday loanhellip
httpswwwflickrcomphotosmarfis7511670069015gtmarfis75
Where does it end
bull Unless yoursquore expecting a windfall from somewhere itrsquos going to be hard to break free of this cycle
bull Borrowing money to service other debts isnrsquot sustainable
bull Itrsquos time to take ACTION
Is there a better waybull Therersquos always a better
waybull A lot of payday loan
companies and debt collection agencies act irresponsibly and against industry regulations
bull DO NOT let these companies intimidate and bully you
Underhand tacticsbull Trying to charge you multiple times for the same missed
paymentbull Calling and texting you to the point of harassmentbull Sending strongly worded letters that can seem threatening or
menacing
httpswwwflickrcomphotospumpkinjuice229764922
Donrsquot be afraid to ask for help
bull You arenrsquot the first person to fall foul of predatory payday loans companies and you wonrsquot be the last (sadly)
bull There are a wide variety of organisations set up to help people with debt problems
bull Seeking help and advice is your first step to recovery
httpswwwflickrcomphotospagedooley12373579054
Where to turnSome organisations that can help includebull The Citizens Advice Bureau (CAB) ndash
wwwcitizensadviceorgukbull The Financial Ombudsman Service ndash
wwwfinancial-ombudsmanorgukbull The Debt Advice Foundation ndash
wwwdebtadvicefoundationorgbull National Debtline - 0808 808 4000
httpswwwflickrcomphotosblyzz2804724227
Get on topbull Take time out to actually work out all your outgoings It
might be boring but it will help put everything in perspectivebull Have you asked your bank for help You may find they can
offer you a personal loan at far more favourable rates than a payday loans company will give you
bull Cut your unnecessary spending Do you really NEED satellite TV magazine subscriptions and membership at that expensive gym you donrsquot use Every bit you shave off your monthly outgoings is more in the bank for you
httpswwwflickrcomphotos23431635N063749110040
Make a planbull It can be all too tempting to bury
your head in the sand but you know the problem wonrsquot go away by ignoring it
bull Plan ahead What can you realistically afford to pay back in order to service your debts
bull Some creditors may be more flexible than others Yoursquove nothing to lose by trying to negotiate your terms You might be surprised at how willing some lenders are to help if they know you are struggling A responsible lender will work with you to make your repayments as manageable as possible
httpswwwflickrcomphotosrosengrant3572847910
Donrsquot panicbull It may seem easier said than done but getting worked
up about debt problems wonrsquot solve anything bull Donrsquot let debt worries take over your life and affect
your sleep your health and your wellbeingbull Recognise you arenrsquot alone and that help is available
httpswwwflickrcomphotosamymctigue3161095736
Focus on your goal
bull Once yoursquove made a plan yoursquove got a goal to work towards
bull Tick off milestones along the way no matter how small and yoursquoll feel yourself getting ever closer to the light at the end of the tunnel
bull Take each day one at a timebull Keep your discipline and concentrate on how
yoursquoll feel once yoursquove reached that promised land of being debt free
Follow me on Twitter
JeffNevil
httpswwwflickrcomphotosmkhmarketing8481608368
Where does it end
bull Unless yoursquore expecting a windfall from somewhere itrsquos going to be hard to break free of this cycle
bull Borrowing money to service other debts isnrsquot sustainable
bull Itrsquos time to take ACTION
Is there a better waybull Therersquos always a better
waybull A lot of payday loan
companies and debt collection agencies act irresponsibly and against industry regulations
bull DO NOT let these companies intimidate and bully you
Underhand tacticsbull Trying to charge you multiple times for the same missed
paymentbull Calling and texting you to the point of harassmentbull Sending strongly worded letters that can seem threatening or
menacing
httpswwwflickrcomphotospumpkinjuice229764922
Donrsquot be afraid to ask for help
bull You arenrsquot the first person to fall foul of predatory payday loans companies and you wonrsquot be the last (sadly)
bull There are a wide variety of organisations set up to help people with debt problems
bull Seeking help and advice is your first step to recovery
httpswwwflickrcomphotospagedooley12373579054
Where to turnSome organisations that can help includebull The Citizens Advice Bureau (CAB) ndash
wwwcitizensadviceorgukbull The Financial Ombudsman Service ndash
wwwfinancial-ombudsmanorgukbull The Debt Advice Foundation ndash
wwwdebtadvicefoundationorgbull National Debtline - 0808 808 4000
httpswwwflickrcomphotosblyzz2804724227
Get on topbull Take time out to actually work out all your outgoings It
might be boring but it will help put everything in perspectivebull Have you asked your bank for help You may find they can
offer you a personal loan at far more favourable rates than a payday loans company will give you
bull Cut your unnecessary spending Do you really NEED satellite TV magazine subscriptions and membership at that expensive gym you donrsquot use Every bit you shave off your monthly outgoings is more in the bank for you
httpswwwflickrcomphotos23431635N063749110040
Make a planbull It can be all too tempting to bury
your head in the sand but you know the problem wonrsquot go away by ignoring it
bull Plan ahead What can you realistically afford to pay back in order to service your debts
bull Some creditors may be more flexible than others Yoursquove nothing to lose by trying to negotiate your terms You might be surprised at how willing some lenders are to help if they know you are struggling A responsible lender will work with you to make your repayments as manageable as possible
httpswwwflickrcomphotosrosengrant3572847910
Donrsquot panicbull It may seem easier said than done but getting worked
up about debt problems wonrsquot solve anything bull Donrsquot let debt worries take over your life and affect
your sleep your health and your wellbeingbull Recognise you arenrsquot alone and that help is available
httpswwwflickrcomphotosamymctigue3161095736
Focus on your goal
bull Once yoursquove made a plan yoursquove got a goal to work towards
bull Tick off milestones along the way no matter how small and yoursquoll feel yourself getting ever closer to the light at the end of the tunnel
bull Take each day one at a timebull Keep your discipline and concentrate on how
yoursquoll feel once yoursquove reached that promised land of being debt free
Follow me on Twitter
JeffNevil
httpswwwflickrcomphotosmkhmarketing8481608368
Is there a better waybull Therersquos always a better
waybull A lot of payday loan
companies and debt collection agencies act irresponsibly and against industry regulations
bull DO NOT let these companies intimidate and bully you
Underhand tacticsbull Trying to charge you multiple times for the same missed
paymentbull Calling and texting you to the point of harassmentbull Sending strongly worded letters that can seem threatening or
menacing
httpswwwflickrcomphotospumpkinjuice229764922
Donrsquot be afraid to ask for help
bull You arenrsquot the first person to fall foul of predatory payday loans companies and you wonrsquot be the last (sadly)
bull There are a wide variety of organisations set up to help people with debt problems
bull Seeking help and advice is your first step to recovery
httpswwwflickrcomphotospagedooley12373579054
Where to turnSome organisations that can help includebull The Citizens Advice Bureau (CAB) ndash
wwwcitizensadviceorgukbull The Financial Ombudsman Service ndash
wwwfinancial-ombudsmanorgukbull The Debt Advice Foundation ndash
wwwdebtadvicefoundationorgbull National Debtline - 0808 808 4000
httpswwwflickrcomphotosblyzz2804724227
Get on topbull Take time out to actually work out all your outgoings It
might be boring but it will help put everything in perspectivebull Have you asked your bank for help You may find they can
offer you a personal loan at far more favourable rates than a payday loans company will give you
bull Cut your unnecessary spending Do you really NEED satellite TV magazine subscriptions and membership at that expensive gym you donrsquot use Every bit you shave off your monthly outgoings is more in the bank for you
httpswwwflickrcomphotos23431635N063749110040
Make a planbull It can be all too tempting to bury
your head in the sand but you know the problem wonrsquot go away by ignoring it
bull Plan ahead What can you realistically afford to pay back in order to service your debts
bull Some creditors may be more flexible than others Yoursquove nothing to lose by trying to negotiate your terms You might be surprised at how willing some lenders are to help if they know you are struggling A responsible lender will work with you to make your repayments as manageable as possible
httpswwwflickrcomphotosrosengrant3572847910
Donrsquot panicbull It may seem easier said than done but getting worked
up about debt problems wonrsquot solve anything bull Donrsquot let debt worries take over your life and affect
your sleep your health and your wellbeingbull Recognise you arenrsquot alone and that help is available
httpswwwflickrcomphotosamymctigue3161095736
Focus on your goal
bull Once yoursquove made a plan yoursquove got a goal to work towards
bull Tick off milestones along the way no matter how small and yoursquoll feel yourself getting ever closer to the light at the end of the tunnel
bull Take each day one at a timebull Keep your discipline and concentrate on how
yoursquoll feel once yoursquove reached that promised land of being debt free
Follow me on Twitter
JeffNevil
httpswwwflickrcomphotosmkhmarketing8481608368
Underhand tacticsbull Trying to charge you multiple times for the same missed
paymentbull Calling and texting you to the point of harassmentbull Sending strongly worded letters that can seem threatening or
menacing
httpswwwflickrcomphotospumpkinjuice229764922
Donrsquot be afraid to ask for help
bull You arenrsquot the first person to fall foul of predatory payday loans companies and you wonrsquot be the last (sadly)
bull There are a wide variety of organisations set up to help people with debt problems
bull Seeking help and advice is your first step to recovery
httpswwwflickrcomphotospagedooley12373579054
Where to turnSome organisations that can help includebull The Citizens Advice Bureau (CAB) ndash
wwwcitizensadviceorgukbull The Financial Ombudsman Service ndash
wwwfinancial-ombudsmanorgukbull The Debt Advice Foundation ndash
wwwdebtadvicefoundationorgbull National Debtline - 0808 808 4000
httpswwwflickrcomphotosblyzz2804724227
Get on topbull Take time out to actually work out all your outgoings It
might be boring but it will help put everything in perspectivebull Have you asked your bank for help You may find they can
offer you a personal loan at far more favourable rates than a payday loans company will give you
bull Cut your unnecessary spending Do you really NEED satellite TV magazine subscriptions and membership at that expensive gym you donrsquot use Every bit you shave off your monthly outgoings is more in the bank for you
httpswwwflickrcomphotos23431635N063749110040
Make a planbull It can be all too tempting to bury
your head in the sand but you know the problem wonrsquot go away by ignoring it
bull Plan ahead What can you realistically afford to pay back in order to service your debts
bull Some creditors may be more flexible than others Yoursquove nothing to lose by trying to negotiate your terms You might be surprised at how willing some lenders are to help if they know you are struggling A responsible lender will work with you to make your repayments as manageable as possible
httpswwwflickrcomphotosrosengrant3572847910
Donrsquot panicbull It may seem easier said than done but getting worked
up about debt problems wonrsquot solve anything bull Donrsquot let debt worries take over your life and affect
your sleep your health and your wellbeingbull Recognise you arenrsquot alone and that help is available
httpswwwflickrcomphotosamymctigue3161095736
Focus on your goal
bull Once yoursquove made a plan yoursquove got a goal to work towards
bull Tick off milestones along the way no matter how small and yoursquoll feel yourself getting ever closer to the light at the end of the tunnel
bull Take each day one at a timebull Keep your discipline and concentrate on how
yoursquoll feel once yoursquove reached that promised land of being debt free
Follow me on Twitter
JeffNevil
httpswwwflickrcomphotosmkhmarketing8481608368
Donrsquot be afraid to ask for help
bull You arenrsquot the first person to fall foul of predatory payday loans companies and you wonrsquot be the last (sadly)
bull There are a wide variety of organisations set up to help people with debt problems
bull Seeking help and advice is your first step to recovery
httpswwwflickrcomphotospagedooley12373579054
Where to turnSome organisations that can help includebull The Citizens Advice Bureau (CAB) ndash
wwwcitizensadviceorgukbull The Financial Ombudsman Service ndash
wwwfinancial-ombudsmanorgukbull The Debt Advice Foundation ndash
wwwdebtadvicefoundationorgbull National Debtline - 0808 808 4000
httpswwwflickrcomphotosblyzz2804724227
Get on topbull Take time out to actually work out all your outgoings It
might be boring but it will help put everything in perspectivebull Have you asked your bank for help You may find they can
offer you a personal loan at far more favourable rates than a payday loans company will give you
bull Cut your unnecessary spending Do you really NEED satellite TV magazine subscriptions and membership at that expensive gym you donrsquot use Every bit you shave off your monthly outgoings is more in the bank for you
httpswwwflickrcomphotos23431635N063749110040
Make a planbull It can be all too tempting to bury
your head in the sand but you know the problem wonrsquot go away by ignoring it
bull Plan ahead What can you realistically afford to pay back in order to service your debts
bull Some creditors may be more flexible than others Yoursquove nothing to lose by trying to negotiate your terms You might be surprised at how willing some lenders are to help if they know you are struggling A responsible lender will work with you to make your repayments as manageable as possible
httpswwwflickrcomphotosrosengrant3572847910
Donrsquot panicbull It may seem easier said than done but getting worked
up about debt problems wonrsquot solve anything bull Donrsquot let debt worries take over your life and affect
your sleep your health and your wellbeingbull Recognise you arenrsquot alone and that help is available
httpswwwflickrcomphotosamymctigue3161095736
Focus on your goal
bull Once yoursquove made a plan yoursquove got a goal to work towards
bull Tick off milestones along the way no matter how small and yoursquoll feel yourself getting ever closer to the light at the end of the tunnel
bull Take each day one at a timebull Keep your discipline and concentrate on how
yoursquoll feel once yoursquove reached that promised land of being debt free
Follow me on Twitter
JeffNevil
httpswwwflickrcomphotosmkhmarketing8481608368
Where to turnSome organisations that can help includebull The Citizens Advice Bureau (CAB) ndash
wwwcitizensadviceorgukbull The Financial Ombudsman Service ndash
wwwfinancial-ombudsmanorgukbull The Debt Advice Foundation ndash
wwwdebtadvicefoundationorgbull National Debtline - 0808 808 4000
httpswwwflickrcomphotosblyzz2804724227
Get on topbull Take time out to actually work out all your outgoings It
might be boring but it will help put everything in perspectivebull Have you asked your bank for help You may find they can
offer you a personal loan at far more favourable rates than a payday loans company will give you
bull Cut your unnecessary spending Do you really NEED satellite TV magazine subscriptions and membership at that expensive gym you donrsquot use Every bit you shave off your monthly outgoings is more in the bank for you
httpswwwflickrcomphotos23431635N063749110040
Make a planbull It can be all too tempting to bury
your head in the sand but you know the problem wonrsquot go away by ignoring it
bull Plan ahead What can you realistically afford to pay back in order to service your debts
bull Some creditors may be more flexible than others Yoursquove nothing to lose by trying to negotiate your terms You might be surprised at how willing some lenders are to help if they know you are struggling A responsible lender will work with you to make your repayments as manageable as possible
httpswwwflickrcomphotosrosengrant3572847910
Donrsquot panicbull It may seem easier said than done but getting worked
up about debt problems wonrsquot solve anything bull Donrsquot let debt worries take over your life and affect
your sleep your health and your wellbeingbull Recognise you arenrsquot alone and that help is available
httpswwwflickrcomphotosamymctigue3161095736
Focus on your goal
bull Once yoursquove made a plan yoursquove got a goal to work towards
bull Tick off milestones along the way no matter how small and yoursquoll feel yourself getting ever closer to the light at the end of the tunnel
bull Take each day one at a timebull Keep your discipline and concentrate on how
yoursquoll feel once yoursquove reached that promised land of being debt free
Follow me on Twitter
JeffNevil
httpswwwflickrcomphotosmkhmarketing8481608368
Get on topbull Take time out to actually work out all your outgoings It
might be boring but it will help put everything in perspectivebull Have you asked your bank for help You may find they can
offer you a personal loan at far more favourable rates than a payday loans company will give you
bull Cut your unnecessary spending Do you really NEED satellite TV magazine subscriptions and membership at that expensive gym you donrsquot use Every bit you shave off your monthly outgoings is more in the bank for you
httpswwwflickrcomphotos23431635N063749110040
Make a planbull It can be all too tempting to bury
your head in the sand but you know the problem wonrsquot go away by ignoring it
bull Plan ahead What can you realistically afford to pay back in order to service your debts
bull Some creditors may be more flexible than others Yoursquove nothing to lose by trying to negotiate your terms You might be surprised at how willing some lenders are to help if they know you are struggling A responsible lender will work with you to make your repayments as manageable as possible
httpswwwflickrcomphotosrosengrant3572847910
Donrsquot panicbull It may seem easier said than done but getting worked
up about debt problems wonrsquot solve anything bull Donrsquot let debt worries take over your life and affect
your sleep your health and your wellbeingbull Recognise you arenrsquot alone and that help is available
httpswwwflickrcomphotosamymctigue3161095736
Focus on your goal
bull Once yoursquove made a plan yoursquove got a goal to work towards
bull Tick off milestones along the way no matter how small and yoursquoll feel yourself getting ever closer to the light at the end of the tunnel
bull Take each day one at a timebull Keep your discipline and concentrate on how
yoursquoll feel once yoursquove reached that promised land of being debt free
Follow me on Twitter
JeffNevil
httpswwwflickrcomphotosmkhmarketing8481608368
Make a planbull It can be all too tempting to bury
your head in the sand but you know the problem wonrsquot go away by ignoring it
bull Plan ahead What can you realistically afford to pay back in order to service your debts
bull Some creditors may be more flexible than others Yoursquove nothing to lose by trying to negotiate your terms You might be surprised at how willing some lenders are to help if they know you are struggling A responsible lender will work with you to make your repayments as manageable as possible
httpswwwflickrcomphotosrosengrant3572847910
Donrsquot panicbull It may seem easier said than done but getting worked
up about debt problems wonrsquot solve anything bull Donrsquot let debt worries take over your life and affect
your sleep your health and your wellbeingbull Recognise you arenrsquot alone and that help is available
httpswwwflickrcomphotosamymctigue3161095736
Focus on your goal
bull Once yoursquove made a plan yoursquove got a goal to work towards
bull Tick off milestones along the way no matter how small and yoursquoll feel yourself getting ever closer to the light at the end of the tunnel
bull Take each day one at a timebull Keep your discipline and concentrate on how
yoursquoll feel once yoursquove reached that promised land of being debt free
Follow me on Twitter
JeffNevil
httpswwwflickrcomphotosmkhmarketing8481608368
Donrsquot panicbull It may seem easier said than done but getting worked
up about debt problems wonrsquot solve anything bull Donrsquot let debt worries take over your life and affect
your sleep your health and your wellbeingbull Recognise you arenrsquot alone and that help is available
httpswwwflickrcomphotosamymctigue3161095736
Focus on your goal
bull Once yoursquove made a plan yoursquove got a goal to work towards
bull Tick off milestones along the way no matter how small and yoursquoll feel yourself getting ever closer to the light at the end of the tunnel
bull Take each day one at a timebull Keep your discipline and concentrate on how
yoursquoll feel once yoursquove reached that promised land of being debt free
Follow me on Twitter
JeffNevil
httpswwwflickrcomphotosmkhmarketing8481608368
Focus on your goal
bull Once yoursquove made a plan yoursquove got a goal to work towards
bull Tick off milestones along the way no matter how small and yoursquoll feel yourself getting ever closer to the light at the end of the tunnel
bull Take each day one at a timebull Keep your discipline and concentrate on how
yoursquoll feel once yoursquove reached that promised land of being debt free
Follow me on Twitter
JeffNevil
httpswwwflickrcomphotosmkhmarketing8481608368
Follow me on Twitter
JeffNevil
httpswwwflickrcomphotosmkhmarketing8481608368