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Rachel Lane
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| Rachel Lane: Rachel writes for the personal finance blog Cashzilla. http://www.cashzilla.co.uk Rachel eats a lot of Green and Black’s chocolate, particularly Maya Gold - it’s delicious and fair-trade too. |
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On one hand consumers are being universally criticised for running up significant amounts of debt on credit cards, yet conversely many companies are capitalising on the growing credit card debt, from charities and political organisations to football clubs, the Association of Surgeons and somewhat ironically ActionAid, an international development agency whose aim is to fight poverty worldwide.
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According to the Council of Mortgage Lenders, first-time buyers are the most susceptible group of homeowners to debt, as they are more likely to have higher loan-to-value ratios and commit a higher proportion of their income to mortgage repayments. Despite their susceptibility to debt, there is evidence which indicates that insurance take-up and employee benefits provide recent first-time buyers with a safer foundation than the general population of mortgage borrowers.
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Has anyone noticed how many loan companies now fill up the commercial breaks? Sofa, after of sofa of happy couples are shown, with carefully manipulated stereotypes discussing the consolidation of their finances, recommending a particular provider. Couples, who have had loan requests knocked back from the standard, high street or traditional credit lenders, find themselves turning to alternative finance providers in the hope that they can move their debt situations forward.
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As you ascend the dizzy heights of property investment, don’t lose your head and ignore mortgage research and advice.
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Sex has a lot to answer for babies usually which then with time and much financial investment grow up to be beautiful mutations of their parents. Yet as the family absorbs more money as it grows, the need for financial planning and protection becomes more important. So, where do you start and how do you move your finances forward?
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Different types of loans are available for almost every aspect of your life: personal loans, car loans, secured and unsecured loans, home loans, homeowner loans, student loans, graduate loans and career development loans (CDL). If you’ve suffered from credit problems in the past and now hold sub-prime characteristics, then you will be eligible for adverse credit and adverse loans.
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This article is written by a 27 year old female (borderline Generation X / Y) called Rachel. Rachel spent six years at university, has no outstanding debts with the exception of government student loans. Rachel also has no pension plan, no life insurance, savings or property investment. Despite reports of average starting salaries for graduates beginning at £18,000, some even at £25,000, Rachel started on £14,000 three years ago, despite gaining a First Class Honours and offering extensive work experience.
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Global warming may have been lurking on our horizon for a number of years and historical records of terrorists have existed for thousands of years, but we are coming into a new age where we try and financially protect ourselves against such problems and if we’re honest we’re struggling.
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Contemplating what may happen to your wife (or husband) and children if you die is not likely to be a thought you wish to contemplate. However, avoiding the issue may make life more difficult for your family after your death.
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It’s that time of year again when global issues take second place in the British media, to make space for the great ‘A’ level debate. Packed with case studies of “Laura achieved nine A grades and was still rejected from her first choice”, you have to wonder how long students can maintain the will to study. It’s not just the fact that companies and newspapers are debating whether students are actually getting more stupid (‘A’ levels are the new GCSEs apparently), students are debating themselves whether they are getting more stupid by even considering going to university in the first place.
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17 free articles by Rachel Lane
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