Buying lots of new things seems to be going out of fashion. It’s not hard to see why - you can’t spend what you don’t have. And while we’d always advocate shelling out for the best-quality, well-priced (i.e. not super-cheap) products, there’s another way to get exactly what you want on a tight budget. It [...]

A Scottish Trust Deed is a binding voluntary arrangement, available to residents of Scotland in place of Sequestration (Bankruptcy). It is the same in principle to an IVA (Individual Voluntary Arrangement) which is available to residents of England and Wales. Once agreed, your creditors will not be able to add any interest and/or additional charges [...]