Plenty of working families have a fair bit of debt these days. Most will be managing this well, and will just use credit to keep everything ticking over smoothly each month.
It’s easier than you’d think to start struggling, however. Often, all it takes is a change of circumstances to make previously affordable debt repayments unmanageable.
There are a number of different ways to cope with personal debt problems, however – depending on your family’s circumstances. Here are a few suggestions that could help you cope with your personal debt, from debtarrangementscheme.net.
Tighten …

If you thought HMRC was just scary, think again. They are also helpful, and actually catching up with what 21st Century mumpreneurs need. There is now a NEW HMRC free webinar service. The live Webinars are online meetings that go through some help and let you ask questions. They last an hour. There are also recorded webinars that you can watch at any time- although there’s no chance to ask questions in those, they take just 30 minutes. Each webinar covers a topic that will be of use to you, …

With Britain’s biggest pay day lenders being told to clean up their acts, what are the options out there for families who are struggling with money problems before payday or for people who have taken loans from these companies but are now seeing their debt problems spiralling out of control?
Listen to our podcast with Will Becker from credit card comparison site Totally Money as he talks about payday loans and what the alternatives are. It will take just a few minutes and the information in the podcast can save you …

Whether you are recently self employed, or have been working for yourself for many years, there are a few traps to avoid if you use your own car or van for business. Read on to check that you’re not falling into these traps.

Don’t miss out on tax relief! You could be entitled to 45 pence per mile, for the first 10,000 miles and 25 pence for anything over this. If you are running your own business or operating as a sole trader, you may be entitled to tax relief from the …

It’s a truth universally acknowledged that most women love to shop. Yet there is evidence to show that many dread shopping for one major product – cars. So why does the prospect of stepping into a showroom cause such anxiety?
Pride and prejudice – the gender divide
In terms of gender, the playing field of car purchasing is far from level. The majority of vendors across the automotive industry in the UK are men and so, for some women, the forecourt can feel like alien territory. This is not helped by the …

‘Direct Selling’ has become very popular in the last few years, in particular with mums wishing to earn a bit of extra money.
More and more people are holding parties at home where the agent comes to your home and sells their products, or posts a catalogue to you. Did you know that you should be declaring this income? Examples of this are Pampered Chef, Body Shop, Avon, Betterware etc
The problem is a lot of these agents fail to inform you that this income is in fact taxable, and needs to …

Have you set up a savings account for your baby? D, J and K all have savings accounts: J and K were fortunate enough to get the Government Child Trust Fund money, and we set up an account when each of them were a few months old.
It is good to set up an account as soon as you get over the crazy first few months with baby, as you may get some gifts of money when the baby is born, or find a kind grandparent offering to help with monthly …

Have you got money saved up for a rainy day? I can safely say that every month we seem to have one thing or another that needs extra funds, so here are my 5 tips for helping you cope:

Try and save! It sounds simple, but is often hard to do when everything costs so much. Just a few pounds away each week can help. Put it in an easy access savings account just in case.
Shop around to save on regular outgoings like utility bills. VIsit sites like uswitch or check …

If you’re forced to leave work, whatever the reason may be, money will inevitably become much tighter, even if you’re given something like sick pay to help you over a few weeks. This is something many people worry about, especially with the UK’s economy still struggling to get out of the doldrums.
Being out of work, especially if it’s not your fault, can be distressing, and not just because you’re left to compete with a huge number of people when the time comes for you to find another job. The lack …

Staples® UK have launched their search to find the ‘Mumpreneur of the Year’ in partnership with Netmums.
Staples® and Netmums want to hear from any entrepreneurial mums, whether they own a business or want to start one, who think they need a helping-hand. There is an amazing £10,000 prize up for grabs, which includes a business grant, laptop, IT training, mentoring sessions, and much more, to help the lucky winner take their business to the next level.
To enter the Staples® and Netmums ‘Mumpreneur of The Year’ award visit the Netmums Coffee …