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DEBT AND DEPRESSION
In my book “Back to the Black”, I talk about the psychological effects of being in debt. In fact Chapter 2 is entitled “Mind Over Matter.”
I was pleased to see that this important issue was covered in a recent article by Simon Read in “The Independent” (17 March 2012). I’ll take the liberty of paraphrasing:
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Being in debt is a depressing experience.
“A trouble shared is a trouble halved”; but the annual report of Consumer Credit Counselling Service (CCCS) shows 25% of those in debt don’t share their troubles with friends or family.
It’s understandable that people don’t want to discuss their debt problems. They’re embarrassed that they might be judged.
Admit the problem; don’t delay
However, admitting you’re in financial trouble is the first step towards solving the problem.
CCCS also revealed that 45 per cent of people delayed seeking advice for more than a year after they started to worry they had a debt problem. Many of them had probably carried the worry alone.
Suicides
Many tragic suicides are caused by the worry of debt (and for every suicide there are ten attempted suicides). If those people had been able to talk about their problems, who knows what kind of future they may have had?
Talk to someone
Don’t just worry about debt. Instead look for a way to deal with it. There are many people and organisations that can help.
Help is at hand
CCCS (and the other debt advice charities: see below) are on hand to help.
All of them can help those in debt find ways to put their finances back on track.
Friends and family
Just talking to friends and family could be a good first step on the way to coping with the deep anxiety that money worries cause.
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I had intended to add some thoughts of my own to this; but I think that the article says what needs to be said. I’ve just added information about organisations that can help; see below.
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WANT TO KNOW MORE?
ADVICE ORGANISATIONS: CONTACT DETAILS
1. NATIONAL DEBT ADVICE CHARITIES
(THESE ALL OFFER CONFIDENTIAL AND FREE DEBT ADVICE, UK-WIDE)
Citizens Advice (“The CAB”)
Free advice provider; registered charity. Funders include central and local government, charitable trusts, companies and individuals.
Face-to-face interviews and telephone advice available at local Citizens Advice Bureaux (CABs). Find your nearest bureau in the phone directory, or search at www.citizensadvice.org.uk
E-mail advice available at some CABs
Advice line: 0844 499 4718
Online help also available: www.adviceguide.org.uk
CCCS (Consumer Credit Counselling Service)
Free advice provider; registered charity. Supported almost entirely by the credit industry.
Telephone counselling 0800 138 1111
Online help www.cccs.co.uk
National Debtline
Free advice provider; registered charity. Part of the Money Advice Trust, (see below) funded by a mix of private sector donations and Government grants.
Phone advice and free factsheet orders: 0808 808 4000
Credit Action
Money education charity, in partnership with CCCS (see above). Free online advice provider, plus the Spendometer (see Chapter 8), Money Manuals and other resources: www.creditaction.org.uk.
Their “Money Advice Map” signposts to local debt advice centres: www.moneyadvicemap.com/
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2. LOCAL INDEPENDENT DEBT ADVICE ORGANISATIONS ALSO EXIST IN MANY AREAS AND ARE TOO NUMEROUS TO LIST.
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3. OTHER ORGANISATIONS WITH HELPLINES OR WEBSITES ON DEBT AND RELATED ISSUES
AdviceUK (to find a local money advice centre)
020 7407 4070
Debtors Anonymous (worldwide community with telephone & online meetings)
… and to find contact details for local meetings inUK:
Mind (charity & helpline that helps with mental health problems)
0845 7660 163
Samaritans (confidential emotional support)
0845 790 9090
Saneline (support for mental illness)
0845 767 8000
Shelter (free housing advice helpline)
0808 800 4444
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For the “Independent” article in full: LINK
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For info about my book “Back to the Black: how to become debt-free and stay that way” (paperback and eBook): LINK
“BACK TO THE BLACK” – NOW IN PAPERBACK TOO
The paperback version of my book “Back to the Black: how to become debt-free and stay that way” is now available on Amazon.com.
It encapsulates what I learned from my own debt problem a few years ago, when I very nearly had to file for bankruptcy but found another way.
Hopefully the lessons I learned are set out in such a way as to help others who might now be in the same situation as I was.
The marketing material reads as follows:
- Worried about debt? This book shows how to handle stress, to optimise your repayment schedule; to budget and track spending.
- You’ll feel confident of your ability to handle the debt and will have a plan for doing so. You’ll learn to evaluate today’s situation and decide realistic goals; to develop options and calculate discretionary income.
- Armed with that information, decisions will seem easier.
You can also find a kindle version on Amazon; a .pdf version on my own site: and other e-formats in the Smashwords store.
WANT TO KNOW MORE?
For the paperback version of “Back to the Black”: LINK
For the ebook versions:
Smashwords, for a multi-format ebook: LINK
Kindle store: LINK
For .pdf only: LINK
REPAIR YOUR CREDIT RATING
Most financial experts say that it’s important to maintain a good credit rating, even if you are not planning to increase your borrowings in the near future. At some point in the future you may well want to do so; at that point, if your credit rating is poor, or simply inaccurate or out-of-date, it could cause you problems. At the very least it could cause you delays.
As I have mentioned before, I subscribe to “Moneywise” magazine and I find it a useful resource. It’s also a quick read, which is very important to many people. I wish I had known about it back in the late ‘90s when I faced my own debt problems. Being in debt is stressful and that’s why very often advice needs to be clear and succinct.
This month’s issue of the magazine contains a helpful article on the very question of boosting your credit rating. The article is not available yet on the Moneywise website, so you’ll have to buy the magazine to read the full piece. (March 2012, page 44; good value, I’d say, at £3.95)
To summarise:
- Get hold of your credit report from one of the three main credit reporting agencies in the UK: Experian, Call Credit and Equifax. They are required by law to provide a basic one for £2.
- Look for mistakes; lenders often misreport and still show debts as being unsatisfied, even though they have been paid in full.
- Check for old addresses: are your old addresses in there? Are they spelled correctly? You need evidence of your past payment performance.
- Check for hidden debts: balances that had built up of which you were unaware. (e.g. forgotten direct debits on unused accounts)
- Show your stability. Long relationship with one bank? Landline phone? On electoral roll?
- Cancel unused credit cards, debts, accounts. (I myself need to look at this; I have several cards I never use)
- Get a credit card, if you haven’t got one. This seems illogical but it’s a good strategy. Manage it sensibly; that provides evidence of your “probity”.
- Be careful who you link your finances to. Applying for joint credit will link your credit reports, of course.
- Don’t make lots of applications for credit at the same time.
- The Golden Rule: don’t miss payments. If you can’t avoid missing one, contact the lender / credit card company in advance; don’t just default.
CREDIT SCORING ADVICE FROM A CREDIT RATING AGENCY
Way back in 2004 I found a great online resource on this subject from Equifax. That’s really “from the horse’s mouth”, because they are one of the three UK companies mentioned above, who do the credit reporting. The information is still valid and it’s still on Equifax’s website.
The title was “Rebuilding Damaged Credit”. Some of the advice overlaps with that of “Moneywise”, some not. Here’s a summary of it:
Open new accounts … and pay them off
Being able to repay a variety of new accounts helps rebuild your credit. Opening and paying off as many different kinds of accounts as you can is better than adding more debt to an existing credit card.
Start small
Rebuilding your credit can be similar to starting over from scratch; starting small may be the easiest option. Credit cards from department stores can be useful. (Warning: if you don’t pay the full balance every month, their interest rates tend to be among the highest)
Consider asking for help
If you can’t qualify on your own, ask a friend or family member to co-sign for a small loan or credit card.
Consider a secured credit card
They are guaranteed by a deposit that you make with the credit grantor; they offer the purchasing power of a major credit card. Make sure the grantor reports payment histories to a credit reference agency, so you’re building your positive payment history.
Use new accounts in moderation
And make payments that are more than the minimum.
Keep balances low
Avoid carrying a balance that is more than 30% of your credit limit, because creditors may view that as excessive debt.
The bottom line
It’ll take time for your new credit history to gain momentum, so be patient. You’re demonstrating your financial reliability; that’s why opening and paying down accounts may make it a little easier to get more credit in the future if you need it.
WANT TO KNOW MORE?
For the resources mentioned above:
For the Equifax resource in full: http://www.equifax.co.uk/Products/learning-centre/rebuilding_damaged_credit.html
For a short “Moneywise” video on improving credit rating: http://www.moneywise.co.uk/cards-loans/credit-cards/how-to-improve-your-credit-record-tv
For the article: “Ten ways to boost your credit rating”. Available in “Moneywise”, March 2012, page 46.
For info and links re my e-book “Back to the Black: how to become debt-free and stay that way”, click HERE.
It’ll also be available in paperback from Amazon in a couple of weeks; I have the proof copy in my hand right now.
DEBT-FREE CHRISTMAS? YOU MUST BE JOKING …
A couple of recent stories by Simon Read in the UK’s “Independent” newspaper (see below) reveal that UK consumers are once again extending their credit card debt, after a period when the trend seemed to be reversing.
What’s more, they are using cards not for luxuries (i.e. “discretionary spending”) but on essentials.
Christmas is coming: the debts are getting fat
The situation for many of those “hard-working families”, as our politicians like to call them (surely that’s discrimination against single people and lazy people?) will probably get worse in a month or two. Why? Not just because of the underlying economic situation and rising inflation, but because of the “retail eternity” (to quote my hero Loudon Wainwright III) that we call Christmas.
Peer pressure
We have been conditioned to believe that one can’t celebrate Christmas properly without spending a load of money. So those in debt are going to get deeper in debt. If you have young children, peer pressure and the blandishments of advertisers will try hard to ensure it.
US blogger promotes debt-free Christmas
That’s why I gave three hearty cheers when I found that an American blogger called Brad Chaffee had started a discussion thread called “Debt-Free Christmas”. I communicated with Brad and told him how much I liked the idea; he got back to me promptly, saying that the concept was very much alive and well in his family, even if the blog thread is less active right now.
Practical solutions?
What I take as the meaning of his “Debt-Free Christmas” was not so much to get right out of debt at this time of year – that would be a very tough aspiration – but how to find practical ways of having a great Christmas without getting further into debt; despite inflation and peer pressures.
Gift spend limit
In future posts I’ll be talking about how we’ve done it in my family. The most successful method was putting a limit on the gift spend per person. That forced a rethink, compared with the previous procedure of: “Oh God, only a week to go and I haven’t finished my gift shopping; must throw some more money at the problem”.
The new rule didn’t just save money, it unleashed lots of creativity.And we had just as much fun, maybe more.
Over to you
I’d like to throw this open. All contributions welcome!
WANT TO KNOW MORE?
For Simon Read’s article in the Independent, 6 Nov 2011:
For info on my e-book “Back to the Black: how to become debt-free and stay that way”:
Kindle version: http://www.amazon.com/dp/B004PLMAQM.
Other versions: http://www.smashwords.com/books/view/22886
BOOK REVIEW: “MAKING FRIENDS WITH MONEY”
When I first started to plan and write my own book on debt (“Back to the Black” – see below) I naturally trawled the bookshops to skim, then buy and read, other books on the topic. I wanted to find out to what extent the subject had already been covered. Was it worth writing another book, or had the subject been done to death already?
VERY FEW BOOKS?
I found, to my surprise, that there were very few books on how to deal with personal debt problems. I bought and read most of them, because I didn’t want my book simply to rehash what had already been said. When I say there were very few books, I mean print books by British authors on the shelves of British bookshops. Of course there are far fewer British bookshops nowadays, but that’s another story.
UK / US DIFFERENCES?
I then found there were a few more that were only available as e-books, which is the way I decided to publish first. What I also found was that there were many, many more e-books by US authors. Of course that’s a bigger market (population five times higher) but there must be other reasons for the difference because it’s out of all proportion to that ratio. When I’ve figured it out I shall get back to the question in another post.
“MAKING FRIENDS WITH MONEY”
All that was a couple of years ago. Sitting on my desk today is a more recent addition to the market and I think it’s a valuable one. Its remit is wider than mine, which was simply about debt and how to handle it.
Sanni Kruger is a financial coach. She runs the local (Bristol, UK) branch of Debtors Anonymous and she’s published “Making Friends With Money: how to start feeling wealthy without waiting till you’re rich.” As the title suggests, her message is that it’s not just a matter of how much money you have; it’s also about attitude, about mind-set. Her chapter headings give a flavour of the content: feeling better about money; getting a grip on your finances; using cashflow planning to build your wealth; getting on top of debt; cashflow management from day to day; surviving the money jungle; the light at the end of the tunnel; and finally: achieving what really matters to YOU.
LEFT-BRAIN THINKING FIRST
Ms Kruger’s background is in book-keeping and accounting, so it’s no surprise that there is plenty of detail here about budgeting and cashflow planning. That’s a subject that is a challenge for many people, including me. Perhaps it should be taught in schools but that’s another question. The coverage of this subject is sound, as you’d expect. However, the advice I liked best in this section of the book was to have two bank accounts; one main one which was simply and in-and-out vehicle for one’s regular / predictable income (be it wages or salary, benefits, pensions etc) and one’s committed / predictable expenditures, which should exit via direct debits; then you work out what’s left after the regular / committed expenditures and transfer that amount to the second account, which Ms Kruger calls the “D2D” (Day-to-Day) account. That way you get a better handle on how much you have available for discretionary purchases and for any expenditure which is regular but variable if you get my drift, e.g. food shopping. Keeping an eye on the balance in the D2D account tells me when I ought to go to Lidl / Aldi and when I could afford an occasional splurge at Waitrose.
RIGHT-BRAIN THINKING
That was very useful but in the last few chapters the book gets more into the bigger picture, or longer-term goals; right-brain thinking or whatever you want to call it. I liked the final chapter on “achieving what really matters to YOU” (Ms Kruger’s capitalisation) because that includes a kind of “hierarchy of needs” approach as it applies to money. To take as an example the specific area my book covers, she suggests these levels of debt repayment:
Level 1: nothing can be repaid
Level 2: more than zero, i.e. £1+ per month: (Ms Kruger, like me, knows that paying £1 / month to every creditor still has value)
Level 3: More than £25 / month to each creditor
Level 4: More than £200 / month to each creditor
Level 5: no debt to repay – ever again.
OK, the numbers will vary according to each person’s circumstance but the principle of working one’s way up the different levels seems good to me. Similarly on transport, she suggests that one might visualise progress (“a journey”, as they say) from Level 1: “enough money for public transport; lifts from friends”; to Level 5: “new car of my dreams and the money for running costs etc etc, plus enough money in car replacement fund to change it at least every 2 years; public transport (first class) or taxis when desired.”
As you might guess from this section, the book closes with a further section entitled “living your dream.” Lots of other self-help books talk about that topic but Ms Kruger’s book gives people the practical tools to achieve it and the mindset to start feeling wealthy even before you become rich. Just as it says on the tin; or in the subtitle anyway. A worthwhile read.
WANT TO KNOW MORE?
On Sanni Kruger’s book “Making friends with money: how to start feeling wealthy without waiting till you’re rich”
Go to www.holisticmoneymanager.com to order. Hard copy (comb-bound A4) £12; downloadable .pdf £7.20, or in four sections each £1.99
On my own book about managing debt, “Back to the Black: how to become debt-free and stay that way”.
eBook only. To sample for free, or purchase (all versions around £0.70 / $0.99):
STUDENT LOANS: “DIFFERENT KIND OF DEBT”?
There’s been some Twitter traffic lately about student debt, including some tweets just yesterday.
Firstly, this from @CashQuestions (Annie Shaw):
“There’s some sort of bullsh*t doing rounds that student debt shdn’t count if u apply for a mortgage. It counts when u come to pay tho – doh”
That was, I think, a response to this tweet from @little_mavis (Mary Wombat) (and retweeted by @CashQuestions):
“I hate the ‘student loan debt isn’t really debt’ or ‘a different sort of debt’. A DEBT IS A BLOODY DEBT. YOU OWE SOMEONE MONEY.”
“Yeah but no but”
So … are student loans are a different sort of debt?
No, absolutely not, in that you owe someone money.
However, yes, in that the debt does not fall due unless and until your income goes above a certain level. In that way it becomes more like a tax.
If you had a bank loan, the bank would not say “OK, that debt is not due; you don’t have to pay me because you don’t have a job – or you have a low-paying job – right now.”
In that way a student loan is better than other kinds of debt, as far as the debtor is concerned.
Effect of bankruptcy
However, if the worst comes to the worst and someone goes bankrupt who still has student loan debt: in that case, the student loan is different too. In my book “Back to the Black: how to become debt-free and stay that way”, I say this:
When you are bankrupt you do not, in general, make payments to your creditors; they make a claim to your trustee instead. There are, however, a few exceptions, payment for which you remain responsible. For example:
- secured creditors (e.g. any mortgage you may have)
- “non-provable” debts (e.g. court fines and maintenance arrears under divorce settlements)
- student loans.
Repay or delay?
Here is another interesting issue around student loans. As Martin Lewis says (30.08.2011) on his excellent “Moneysaving Expert” site, student loan is (relatively) cheap debt; therefore should you repay it faster than you’re required to (if you’ve got spare cash) or is it better to save?
The answer depends, of course, on your situation, so the site has a calculator to help answer the question.
WANT TO KNOW MORE?
The MoneySavingExpert site and calculator: click HERE:
“Back to the Black”: eBook on managing debt
To sample for free, or purchase (£0.70 / $0.99), my debt advice book:
- “Back to the Black: how to become debt-free and stay that way” is available in the Kindle store. Click HERE:
- It’s also available in all e-formats, including .pdf, at Smashwords. Click HERE:
ONLINE PEER-TO-PEER LENDING FOR SMALL BUSINESSES
What’s the deal?
ThinCats.com is an online peer-to-peer lending service enabling investors to make loans to direct to businesses.
Businesses seeking funding pay a listing fee of £450 to upload their information. Potential lenders decide whether to participate in an auction to lend to that company. (Kind of Dragon’s Den, eh? Ed.) If they do, they set the interest rate and the amount they’ll offer. A syndicate is made up of the bidders offering the lowest rates.
The minimum bid is £1,000, but the most common loan is around £5,000. (Clearly for pretty small businesses: Ed.)
Is this good?
With ThinCats, lenders set their own interest rates. Some have achieved rates of 15 per cent in recent months, but 8 per cent to 11 per cent is more likely as the marketplace for these loans matures.
Lenders are not charged a fee and it is up to ThinCats to chase any outstanding payments. (This is a USP, if it works: Ed.)
What’s the catch?
The company is young, so it doesn’t have much of a track record. Loans are secured (key info! Ed.); if a business falls behind with payments, ThinCats would call in the loan security. But investors’ money is not as secure as it would be in a bank account.
What’s the alternative?
ThinCats follows on from the success of other peer-to-peer lending sites such as Zopa.com and Fundingcircle.com; but it is the first to offer secured loans.
(and the first, as far as I know, to target small businesses in search of funding, as distinct from individuals: Ed.)
WANT TO KNOW MORE?
Peer-to peer lending
Link to reference the article www.thincats.com
www.fundingcircle.com
www.zopa.com
“Back to the Black”: my eBook on managing debt
To sample or purchase this debt advice book (£0.70 / $0.99):
- “Back to the Black: how to become debt-free and stay that way”, can be sampled (first 20% free) or bought as a multi-format eBook, at Smashwords: http://www.smashwords.com/books/view/22886
- It is also in the Kindle store, where only the first 10% is free (Amazon’s rules, not mine). Here’s a link: http://www.amazon.com/dp/B004PLMAQM
MONEYWISE CUSTOMER SERVICE AWARDS 2011: BOUQUETS FOR FIRST DIRECT, BRICKBATS FOR SANTANDER
This month’s edition of the “Moneywise” magazine carries a supplement showing all the winners (and losers!) in their annual awards for service and trustworthiness. At a time when banks, and the financial services industry in general, have had many knocks to their corporate reputations, any good news is good news, if that makes sense.
Here is my totally unscientific extract, i.e. the awards that interested me most. And don’t worry, if you don’t subscribe to Moneywise (which is very good value; and I am not on commission!) you can access the info online; scroll down for the link.
In summary: First Direct dominated the awards, winning many categories. There were also awards for several organisations I’ve mentioned on this blog: Zopa, Yorkshire BS and Coventry BS.
“MOST TRUSTED” AWARDS
Current account provider:
Winner: Smile. Highly Commended: First Direct. Trusted Providers: Clydesdale Bank, The Co-operative Bank, Nationwide, Yorkshire Bank
Credit card provider:
Winner: First Direct. Highly Commended: John Lewis. Trusted providers: Co-op Bank, M&S Money, Nationwide, Tesco Bank
Mortgage provider:
Winner: First Direct. Highly Commended: Coventry Building Soc. Trusted providers: Britannia, C&G, HSBC, Nationwide
Savings provider:
Winner: First Direct. Highly Commended: Coventry Building Society. Trusted providers: Britannia, Nationwide, Post Office, Yorkshire Building Society.
Personal loan provider:
Winner: Zopa. Highly Commended: First Direct. Trusted providers: Nationwide, NatWest, Sainsbury’s Bank, Tesco Bank
Overall “most trusted” provider: First Direct. Highly Commended: Nationwide.
SERVICE AWARDS
In addition to the “most trusted” awards, there are also six service awards in each of 15 categories: go to the link below for details.
NAMING AND SHAMING
The magazine also named and shamed the outfits with the worst record. Sadly, out of seven categories, Santander came out worst in five and worst equal (with Halifax) in a sixth. Moneywise got an interview and an apology from Steve Williams (Santander’s Director of Service Quality, not the Bristol West MP of the same name)
WANT TO KNOW MORE?
Awards details
For the full lists of all the Moneywise awards (winners, Highly Commended and shortlists / “trusted providers”) in all categories, with info on the survey’s methodology; plus contact details for the companies they endorse (but not for those they name and shame!), go to: LINK
“Back to the Black”: my eBook on managing debt
To sample or purchase this debt advice book (£0.70 / $0.99):
- “Back to the Black: how to become debt-free and stay that way”, can be sampled (first 20% free) or bought as a multi-format eBook, at Smashwords: http://www.smashwords.com/books/view/22886
- It is also in the Kindle store, where only the first 10% is free (Amazon’s rules, not mine). Here’s a link: http://www.amazon.com/dp/B004PLMAQM
CALL FOR MORE FINANCIAL ADVICE
Today I read a great piece from Simon Read of the Independent, calling for the wider availability of financial advice. I posted a comment as follows:
_____
Great piece! More strength to your pen! I absolutely support your call for wider availability of quality financial advice; ten years ago I narrowly avoided personal bankruptcy and found a better solution with the help of two excellent advisers at the local CAB; but not everyone is as lucky and I know what the queues are like at the CAB in Bristol.
Have RTed your tweet.
I too quoted Mr Micawber in a book about my debt experiences (“Back to the Black: how to become debt-free and stay that way”). The version of Micawber I used was worded slightly differently from yours, in that mine was income / expenditure, ending: “Annual income twenty pounds, annual expenditure twenty pounds, ought and six, result misery.”
The debt-to-income comparison you mention is interesting. I found some alarming debt / income ratios in the Times a year or so back, which I interpreted in my book as follows:
As Credit Action’s website succinctly puts it: “Individuals owe more than what the whole country produces in a year.”
The trend of increasing personal indebtedness, a by-product of our consumer culture, certainly contributed to the financial crisis.
In early 2010, a typical UK household containing one wage-earner on average pay has, according to the Halifax (a division of the Bank of Scotland plc), outstanding mortgage debt that’s equivalent to 507% of income (i.e. of the ONS figure for average annual income). By way of comparison, the UK Government’s ratio of debt to income – a ratio that was widely castigated as unsustainable during the election campaign of spring 2010 – was “only” 170%. (“Worried about national debt? Mr & Mrs Average are in a far worse state”: Ian King, Deputy Business Editor, The Times, 19 Feb 2010) Go figure, as my American friends might say.
Most personal debt is of course, at least in the UK, secured mortgage debt: levels of home ownership have traditionally been higher here than in most other European countries. It has always been considered that mortgage debt is safe debt; that was true for as long as the housing market continued its customary rise but at times of recession in the housing market …. Etc, etc
One could also add the risk of rate increases leading to a rise in the numbers of mortgages in arrears, repossession or forbearance … a number that’s already high, as you mention.
WANT TO KNOW MORE?
To see Simon Read’s original piece (The Independent, 16 July 2011): http://www.independent.co.uk/money/spend-save/simon-read-rising-poverty-worries-means-advice-is-crucial-2314442.html
To sample or purchase (£0.70 / $0.99) my eBook on managing debt:
- “Back to the Black: how to become debt-free and stay that way”, can be sampled (first 20% free) or bought as a multi-format eBook, at Smashwords: http://www.smashwords.com/books/view/22886
- It is also in the Kindle store, where only the first 10% is free (Amazon’s rules, not mine). Here’s a link: http://www.amazon.com/dp/B004PLMAQM