I have written about warning signs people experience that may show they are headed for a financial fall, but what I read recently is a huge sign: using

I receive many calls and emails from people who are struggling to service their unsecured

We all are a bit materialistic to some extent and like to surround ourselves with the trappings that we are told we all need and want.
Told by the shops, adverts, etc, that we need such and such item or we see everyone else has this and we want it as well.

Source: The Real Cost

Happy New Year!
So now 2010 is officially here, our heads and stomachs have settled and it is time to get back to the reality of the world, and the reality of our personal finances.

Source: A New Year

Last year the Government reduced the VAT from 17.5% to 15% to induce shoppers to buy and spend more.
Source: VAT

To all of those that may regularly read the comments, articles, blogs and nonsense that gets posted here over the year(s):
Have a very happy, festive, holiday time of year.
Best wishes to all, good health and great happiness.
Cheers!

Source: Holiday Wishes

Over the years I have heard some sad stories from people regarding their finances and

Maybe it is the time of the year, or the time of life, but I have had a large number of queries from people with UK