What do credit reference agencies do and why are they important to me?

00:01 | 18 Jul 2008 | By Lorna Bourke

Credit reference agencies maintain files on all your borrowings from credit cards to mortgages and any arrears or defaults will affect your ability to borrow in future

Should I get a consolidation loan?

00:01 | 20 Jun 2008 | By Lorna Bourke

It could be useful if you need to reduce your monthly repayments on borrowing, but the overall cost may be higher.

Am I addicted to debt?

13:00 | 12 Jun 2008 | By Lorna Bourke

No – you are addicted to overspending

Is all debt bad debt?

12:24 | 03 Jun 2008 | By Lee Robertson

‘Neither a borrower nor a lender be’; just how relevant is that advice today?

What should I do if I get into debt problems?

09:00 | 22 May 2008 | By Lorna Bourke

Taking positive action now can help you deal with debt problems before they get out of hand - otherwise organisations such as Citizens Advice Bureau or National Debtline can provide valuable advice.

Great tips to improve your credit rating

00:14 | 01 May 2008 | By Joss Harwood

Nobody has an automatic right to credit. Now that borrowing is harder,  it’s more important than ever to make sure your record is smartened up to impress choosy lenders.

How can I make a budget and stick to it?

11:48 | 01 Mar 2008 | By Lorna Bourke

Few individuals sit down and work out all their inescapable outgoings and set them against their income. But unless you keep your spending within sensible limits, leaving a margin for savings, you can easily find yourself in trouble.

How do credit cards work?

07:00 | 28 Feb 2008 | By Lorna Bourke

Credit cards can be used to pay for goods and services or withdraw cash up to a pre-agreed credit limit.

How much is too much debt?

15:35 | 27 Feb 2008 | By Lorna Bourke

Should I have bigger debts or a bigger mortgage?

15:28 | 27 Feb 2008 | By Lorna Bourke

Are comparison sites useful?

15:21 | 27 Feb 2008 | By Lorna Bourke

What are the pros and cons of personal loans?

14:51 | 27 Feb 2008 | By Lorna Bourke

Personal loans are usually cheaper than overdraft or credit card borrowing but you must repay the loan within an agreed period and if the borrowing is secured against your home, you risk repossession if you default on payments

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