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A pandemic could have impacted you in a variety of ways, in particular your income may have reduced, or you may now be finding it more difficult to manage your finances. I am struggling financially; how can you help? If you find you are struggling financially due to your situation and are experiencing financial hardship,…

The word debt always sounds negative. If someone is labelled as being in debt, it generally has negative connotations. However, the vast majority of us have debts of some kind; for example, the average homeowner has a mortgage, which is debt – but seen as a “good debt”.   On the flip side, some debts, like…

Managing personal debt can be challenging to cope with at the best of times, particularly if you have a family who rely on you financially and/or for financial support. It can be tempting to put your personal debt thoughts aside and concentrate on other priorities in testing situations. However, ignoring personal debt serious financial consequences…