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Money Section Index


Is a Loan the best option?

If you are short of cash on a day-to-day basis, a loan is not necessarily the best way forward - if your outgoings are regularly more than your earnings, then a loan will be at best a temporary fix. You might feel better off for a while, but unless you increase your income, reduce your expenses or preferably both, you'll end up back to square one sooner or later!

Check out our pages to help you get started in a work at home business to make extra cash and find out how you can save money on your gas and electricity bills.

We can help with all kinds of things from starting your own business and how to create a business plan to impress your bank manager?

Calculate how much business loan repayments might cost you.

Do women make better business owners?

Get great ideas for a working at home business to make money from home.

Save money on your energy or water bills (ideas on how to save - NOT a comparison site!)


Personal Loans

Money home page - find the info you need fast

credit cards find out how to save money on your credit cards

credit cards - changing change your credit card and save

credit cards - prepaid guaranteed acceptance

debt help help and advice with debt: debt management, IVAs, debt consolidation

debt consolidation loan consolidating your debts credit cards, loans, bills and overdrafts - into one low monthly payment

hm forces loans loans for service personnel

home improvement loan tips for improving your home - what are the best and worse improvements to make on your home

loan calculator calculate secured loan payments

secured loan find the lowest APR secured loan from top UK lenders poor credit history or CCJ's, need not be a problem

tenants loan information on loans for tenants, living with parents etc

loans glossary - financial jargon and loan terms, from Adverse Credit to Unsecured Loan


man wondering about loansBusiness Loans

business loan find out about professional loans to help you set up your own business, expand an existing business or improve cash flow

business loan info on loans to help you set up your own business, expand an existing business or improve cash flow

business loan calculator find out how much your monthly repayments will be

starting a business start up your own business and be your own boss

small business loans find finance for your small business

loan to buy a franchise fast loans and business advice on buying a franchise

women in business - advice for female entrepreneurs

business loans for women - advice for female entrepreneurs

writing a business plan - how to write a business plan, examples and access to business plan templates

small business grants find finance for your small business

work from home ideas to earn and scams to watch out for

work at home more ideas to earn at home


What about Loans?

If you are short of cash on a day-to-day basis, a loan is not necessarily the best way forward - if your outgoings are regularly more than your earnings, then a loan will be at best a temporary fix. You might feel better off for a while, but unless you increase your income, reduce your expenses or preferably both, you'll end up back to square one sooner or later!

Still thinking about a loan?

While we are not lenders, brokers or introducers, we have put some general information on the site which might help you understand the advantages and disadvantages of the various types of loan and cards available.

Bear in mind that the information given may not apply to your particular circumstances and we strongly advise that you take professional advice or contact the citizens advice bureau before taking out a loan or entering debt management or similar.

Types of loan

Secured Loan

This is secured on your property by the lender. This means that the lender has little risk of losing any money and so can offer a lower APR (Annual Percentage Rate) than would be available with an unsecured loan. In the case of a good credit history lenders can often offer secured loans to a higher proportion of the equity available in the property.

Unsecured Loan

An unsecured loan can cost more in repayments but does not carry the risks of a secured loan. If you don't repay it, the lender can't easily take your house off you. For this reason, it can be difficult to get unsecured loans if you've had problems in the past with late or missed repayments on loans or credit cards.

Payday Loan

Payday Loans can be easy and quick to get - the money can be in your account on the same day. But payday loans should be used with caution and only as a short-term solution for days or - weeks at most as they have a high APR. If you don't repay within the timescale of the loan, you can be hit with very high charges and interest.


YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

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