national debt help : Problems With Debt ?

2008-05-26 15:00:19

( Financial )



Do you want to know about national debt help, need national debt help and are wondering about a national debt helpline? Yes, now you can find a national debt helpline which offers national debt help. It is a helpline created for you who have debt problems. If you need help with national debt this service is independent and confidential – and it’s free. It has existed since 1987. It offers you self-help and advice. It also provides self-help packs as well as fact sheets. They can help you set up a debt management plan if you are in trouble.

They are linked to a registered charity which is a trust which gives advice on money. This charity was formed in 1991 with the intention of improving the availability and quality of independent and free advice about money. They work together with the private sector, the government and leading money advice agencies. Their aim?
- to make money advice more available
- improve the quality of money advice
- improve the effectiveness and efficiency of the way it is communicated.

Christmas time – problems with debt?
There is a great strain on your budget at Christmas time. You are under enormous pressure to spend on entertaining and presents. It’s all the more difficult if your children want the latest toys (which are usually the most expensive).

This national debt helpline gets an increase of calls over the 3 months following Christmas. This is when people realize the consequences of missing essential bills or payments to fund their festivities.

How should you avoid the pitfalls of Christmas?

Plan ahead
Draw up a budget. Plan what is necessary to pay for things that are essential. Make sure you deal with these first. The organization will give you a self-help pack which can help you in this respect.

- Pay your priority bills first:
o Gas
o Rent
o Mortgage
o Water
o Electricity
o Housekeeping
o Council tax.

- Try to decide in advance how much to spend on Christmas and don’t change your mind. This way you won’t miss payments on essential bills later.
- Try to pay for presents over a long period of time. Avoid paying a lump sum at once.
- Don't fall for offers that get you involved in costly credit - though this is a temptation


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