Cheap car insurance is possible to find

Are you fed up with paying over the odds for your car insurance? Car insurance is something that we have to buy if we are to drive legally on the roads in the UK. However there are ways to save on car cover premiums and the internet is a great place to start your search. It may be possible to Save up to £150 on car insurance by comparing insurance with providers.

If you are looking for Car Insurance for Young Drivers cheap car insurance premiums may be hard to find. This is due to the fact that younger drivers have no experience and they have not yet built up any no claims bonus. However there are certain websites that provide Top Searches-Car Insurance for Young Drivers and this is where you may be able to get the best deal possible on your car insurance. Taking advanced driving lessons may also help you to get cheap insurance premiums on your car cover. Keeping your car locked up overnight in a garage can also help to keep down the cost of your car insurance premiums.

Women drivers have had a bad name in the past, yet they make fewer serious claims on their insurance which has led to many insurance companies offering low cost car insurance for women. Compare insurance premiums Top Searches-Car Insurance for Women and you may be able to get the lowest premiums possible. Some providers offer tailored car insurance for women which includes such as handbag cover and breakdown insurance. Always compare the small print of the policy to ensure that you get the best deal on womens car insurance.

A cheap loan may be just a click away

Finding a cheap loan may be just a click away if you own your own computer and have access to the internet. Once upon a time if you need a loan you had few options but to contact one of the high street lenders. Today you have access to hundreds of lenders online.



Of course when considering a loan there are many different types depending on your circumstances.There is the payday loan, the secured and unsecured for instance.


In order to get the lowest rates of interest and secure a cheap loan it is essential to have a great credit rating as this is one of the many things that lenders take into account when assessing whether to approve your application. Therefore it may pay to take a look at your own credit rating before applying.  The better your credit rating the better the chances are that you get a good rate of interest on your loan.

Make a car insurance comparison online to save

We have to take out insurance for our car if we want to drive on the road legally in the UK. Without it we risk a fine, or worse, and of course you have no financial compensation for your own vehicle. While you do have to take out car insurance it does not have to cost a fortune to insure your car if you make a car insurance comparison online.


First you need to determine the level of car insurance you need. For instance it might not be worth taking out fully comprehensive insurance for a second hand car that only cost a few hundred pounds. It would also not make much sense if you had paid out thousands of pounds for a relatively new car and you chose third party insurance.


Third party insurance does not give you the car owner much protection for your own car. You can typically claim for damage or destruction due to fire and of course if your car is stolen. The other party is also protected by your insurance. This is typically a great deal cheaper when making a car insurance comparison online however.


Fully comprehensive may cost a great deal more but for this you are covered in many more ways. When looking for fully comprehensive insurance when you make a car insurance comparison online you have to be totally honest and you may get a better deal and lower car insurance premiums if you have an excellent driving record and no claims bonus.

Lower your life insurance rates

Life insurance is something that we need to consider if we wish to leave our loved ones with some financial security when we die. However you may be able to save on your life insurance rates if you shop around and compare life insurance. Life insurance quotes may vary drastically depending on where you choose to look for your life insurance and whether you wish to add in health insurance such as critical illness insurance.


It is important to first decide which type of life insurance or health insurance or combined policy you want.
Term life insurance is often the cheapest form of insurance to take out and generally one of the easiest. To take this form of insurance and to lower your life insurance rates you choose how long you want to take the insurance over and how much you want to protect your life for. If you die during the term, your family receive the sum insured. If you outlive the insurance policy, it dies and no payout is given.


If you want to ensure a mortgage is paid off if you die then choose decreasing term insurance. You insure for the amount left on your mortgage and for the time you have left to pay on the mortgage. The amount that is paid out on the life insurance policy decreases as you pay off your mortgage. If you die before the mortgage is paid off your loved ones get the amount left on the mortgage, to pay it off,


Whether you look for term life insurance or decreasing term you may be able to lower your life insurance rates by comparing life insurance premiums online.

Go compare car insurance quotes for cheap car insurance

When you compare the market you may be able to get cheap car insurance and compare car insurance quotes and the summary of your policy. While making savings on car insurance and getting cheap car insurance is a top priority it is just as essential to ensure that the insurance you get covers your needs. If you were to take out insurance solely based on cheap car insurance quotes and found that if you needed to claim, you could not, it would be devastating.


You may wish to consider how many miles you do in your car each year. If you do a limited amount of mileage then you might wish to look for limited mileage insurance. This may help to reduce the cost of the policy when you compare car insurance quotes.


Another way you may be eligible to make savings is if you can prove your vehicle is secure. You might want to install a tracking device, which may help you car to be recovered if it is stolen. You might want to install an alarm system of high quality and a steering wheel lock, If you park your car away from the road it may be safer than at the side of the road. A garage is preferable, but a carport under lighting may lead to you getting cheap car insurance too.

Cheap insurance quotes with car insurance comparison

Cheap car insurance quotes are possible to find if you make a car insurance comparison. There are many ways you might do this. You could search for car insurance yourself on Google and find some great results or you may wish to visit one of the popular car insurance comparison websites such as Gocompare.com or Comparethemarktet.com. Either of these may lead to you finding some cheap insurance quotes for your circumstances.

Clicking on the links above may be one of the quickest ways to obtain some of the cheapest insurance quotes and allow you to make car insurance comparison so much easier.

There are numerous ways that you may be able to help yourself save money on insurance as providers take many factors into account when giving you a quote. You may wish to install security measures on your car to prevent thieves from stealing your car. An immobiliser, good quality alarm or a tracking device may all help you to keep down the cost of your car insurance.

If you are able to park your vehicle under lock and key this might also help you to make savings on your car insurance when looking for car insurance comparison.

GOcompare car insurance

If you want to make savings on your car insurance, or indeed home insurance, life insurance or any other type of insurance then you may wish to go compare insurance quotes. Simply by making a car insurance quote comparison you may be able to save a great deal of money on the cost of your insurance each year.

There are many ways to save on car insurance on Google. There are numerous websites such as the links on this site that may help you to reduce the amount you have to pay in car insurance premiums.

Your driving record also plays a part in how much you have to pay for car insurance quotes. If you have no claims bonus and many years of experience on the road then your car insurance quotes are typically less than those of a younger driver.

Improving the security on your pride and joy may also have an effect on how much the car insurance quotes are. If you install basic security features such as immobiliser, alarm or a tracking device this may also allow you to make savings on your car insurance quotes.

You can find free mortgage advice here to help with mortgage arrears

Mortgage arrears are the homeowners worst nightmare, yet each year thousands of us fall behind with our mortgage repayments and struggle to catch up. In some cases it is impossible to repay the money owed and sadly this leads to some losing their homes.

There is always hope when you first start to suffer problems with your mortgage. But whatever you do if you fall into arrears do not bury your head in the sand. Always take Mortgage advice preferably with your mortgage lender. Nine times out of ten they are willing to help and right now lenders give a lot of leeway to those suffering from Mortgage arrears and only take repossession as a very last resort. You may be able to reach an agreement with your lender to repay any money you owe along with your mortgage or they may arrange that you only pay the interest part of the mortgage for a while.

If you cannot reach an agreement with your mortgage lender then you may wish to remortgage. This may work out to your advantage if you compare Mortgages and find one with an excellent low rate of interest, or maybe you could go for the interest only mortgage. This means that you only pay the interest part of the mortgage which typically means lower monthly repayments. However the downside is that you owe the capital in a lump sum when the mortgage term has been reached so you have to have provisions in place to find the money.

Mortgage advice with a specialist may help you to avoid repossession of your home. They typically look for Mortgages on your behalf to try and find you the best deal based on your circumstances. However take care when going for a mortgage with some specialist debt teams as they add charges onto the deal which may mean you have to pay out hundreds of pounds more.

This article was written by Copywriting 4 U who has 6 years of experience in SEO copywriting and specialising in mortgage arrears and debt related content for the web.

Help with mortgage arrears

Each year hundreds of people struggle to meet their mortgage repayments and many of these fall into Mortgage arrears and cannot afford to repay the arrears. If you are struggling with your mortgage repayments and fear you are going to fall behind on your mortgage repayments then you need to seek help as soon as possible.

If you are having problems with your mortgage repayments then you can take Mortgage advice online. If you bury your head in the sand and hope that your problems will pass you may end up losing your home. Your lender may be able to help you and give you some time to catch up on the money you owe. If not then you may wish to consider looking around at different Mortgages and possibly see if you are able to get a cheaper mortgage and remortgage to avoid losing your home.

Mortgage arrears are a huge worry but never give up hope and just let the lender take your home. Seeking Mortgage advice with a specialist may make the difference between you losing your home and keeping it.

As a last resort you may wish to look into selling your home to avoid the lender taking it or you may wish to look into selling with a company that offers to buy your home and then lets you stay in it by paying rent. These of course should only be considered if you have Mortgage arrears that you are unable to resolve and you have taken mortgage advice and help.

This article was written by Allison of copywriting4u.co.uk who has 6 years experience in SEO copywriting, article copywriting and any other type of written content.

Find cheap home insurance online

Home insurance makes a great deal of sense for anyone whether they own their own home or they are renting. However the needs of someone renting differ from the homeowner. If you are buying your own home then you will need to take out buildings insurance when you apply for your mortgage. If renting buildings insurance is taken by the landlord. However both can benefit from taking out contents insurance. When looking for cheap Home Insurance and in order to try and get the best deal it can pay to shop around and compare the costs.

Cheap Home Insurance can be found but when looking for a policy always ensure that you have adequate coverage. It is no good taking out a policy solely based on the low premiums, only to find sometime down the line if a claim is made, that you are not covered. Therefore always check the small print before rushing into paying out for a policy.

The majority of Home Insurance contents policies will protect anything in the home that can be taken with you if you decide to move house. Therefore you need to take an inventory of all items and possessions in the home, on show or hidden in cupboards and in the loft. The total of these is what you insure for and is the amount you would get back in the event you lost everything.

Buildings Home Insurance provides protection for anything that is not removable such as fitted kitchen, bathroom, outbuildings, paths, walkways and the structure of your home. When deciding how much insurance you need always ensure that you include how much it would cost to rebuild your home if the worst happened and include the cost of removing rubble from the site and clearing it to rebuild.

If you wish to take out both buildings and Home Insurance for the contents then you may be able to get cheap home insurance by taking out both policies with the same provider at the same time.

This article was written by Allison of Copywriting4u.co.uk with 6 years of experience in SEO copywriting, article copywriting and any other type of written content. You can contact us for a free quote for your tailored quality content.

Find cheap life insurance or life insurance and critical illness cover

Life insurance is one of those things that no one likes to think about, however if you want to leave your family financially secure then it must be given some consideration. In order to get cheap life insurance or life insurance and critical illness cover it is essential to shop around and compare Life Insurance.

When considering cheap Life Insurance you first have to decide which type of cover you need.

One of the cheapest and most common types is term life insurance. To take out this form you choose how much insurance you want and the term you want to take it over. If you die during the term your family gets the lump sum of money you chose to cover your life for. If you are still alive when the term of the life cover has been reached the policy dies.

If you have a mortgage then you may wish to compare Life Insurance called decreasing term insurance. You take out the protection for the amount of years left to pay on the mortgage and for the amount left to pay on the mortgage. As you pay off the mortgage year after year the amount you have left to pay decreases and so does the amount your loved ones get back if you die. If you are alive and your mortgage is paid up the policy ceases.

When looking for cheap Life Insurance you might also wish to take out life insurance and critical illness cover. You choose either term or decreasing term life cover and add critical illness cover into the plan.

Critical illness cover is there in the event you are diagnosed with a critical illness such as heart attack, stroke or liver failure. These are all usually included in a critical illness policy along with many others, however do check with the provider to find out what you could and could not claim for. More and more people live longer today after being diagnosed and the money could help you and your family to meet financial needs when you are incapacitated. You can take critical illness cover out alone or you may choose to take it as an add on with your cheap Life Insurance.

This article was written by Allison of Copywriting4u.co.uk who has 6 years of experience in providing SEO copywriting, article copywriting and any other form of written content. Contact us for an affordable quote for quality, original content for your website.

 

Searching for car insurance for women with car insurance companies

If you are looking for car insurance for women then you may wish to go here and see how much you many be able to save with Top Searches-Car Insurance for Women. Many insurance providers now offer savings on insurance for women solely based on their gender. Despite the many jokes about women being bad drivers, in fact statistics shown they are indeed the safer of the sexes as they make fewer serious claims for accidents than the men do.

By choosing to search and compare for the best deals on car insurance you may be able to Save up to £150 on car insurance and find the most suitable deal on insurance for your needs.

There are numerous insurance companies now offering car insurance typically with the woman in mind as they are seen as being less of a a risk to accidents. They also offer numerous benefits solely aimed with women. For instance some insurance companies will include protection for handbags whilst the handbag is in the car. If the contents or the bag itself are stolen the insurance provider may payout to replace them. They may also include some form of breakdown insurance as women are more at risk if they breakdown on dark roads when alone.

If you want to save on the cost of insurance for women then take a look here for Top Searches-Car Insurance for Women and maybe save up to as much as £150 on your car insurance.    

Ways to save on insurance

Insurance is an important product we need to consider. If we do not apply for and take out insurance and the worst occurred, it could cost us a lot financially.

There are many different types of insurance products to consider. For example, you typically need home and life insurance at the very minimum. If you have a car of motorbike then it is important to have insurance products that cover these to drive legally on the road. These are just some of the types of insurance you may have to buy and the list goes on and on.

Whilst we cannot get away from the fact that we have to consider insurance products, we can at least do whatever is needed to make sure that we have the cheapest policy possible.

Should you be looking for home insurance then compare the cost of insurance and you might wish to take a look here for the best Home Insurance deals and could save yourself a great deal of money each month.

Life insurance is important to ensure you loved ones are able to manage at least financially after your death. If looking for cheaper life insurance then check out the policies here to see if you can save on your Life Insurance

Younger drivers might wish to take a look here at the Top Searches-Car Insurance for Young Drivers to find out if you are able to save on the cost of your insurance premiums, as usually the younger generation pay more for insurance.

Women drivers are typically seen to be the safer driver on the roads as statistically they make less serious claims than men. Due to this they may be able to keep down the cost of insurance and find the most suitable policy here with Top Searches-Car Insurance for Women 

You may be able to secure a fantastic deal on  Bike Insurance here and van drivers might want to take a look for  Van Insurance here to save on the premiums.

Payday loans can get you through to your next payday

The majority of us feel the pinch sometimes half way through the month and we count the days until next payday. This may be as the result of an unexpected outlay that cropped or for just about any other reason. Something may crop up which you need money for that you haven't got until your next payday. This might be a red letter for bills or a burst pipe that needs the expense of a plumber for instance. In any of these situation you may struggle. There may be a way that you can get your hands on fast cash until your next payday and that is with payday loans.

You may be able to get a No hassle cash advance up to £750 with companies offering you cash often in just a few hours of applying for the loan.

Payday loans differ from the usual type of loan in that they are not taken out over the long term as you might do with a personal loan. If you Need Extra Cash Now? you may choose to borrow a small amount of money, typically up to £750 as an advance on your next payday. When your next payday arrives the company usually takes back what you have borrowed, plus any interest that may have accumulated on the loan from your debt card, details of which you would have given at the approval stage of loans.

If you need fast cash until your next payday to see you through then you may wish to contact PaydayUK one of the leaders in offering payday loans.

You may be able to get Payday Loans up to £750 however you do not have to borrow this amount of money. You may just need loans of around £50 to see you through until next payday or to pay off an unexpected bills. However remember that payday loan are not like the typical loans you apply for and they are not suitable for those who are in debt and who are struggling from month to month financially. This type of loan is suitable for only the short term in situations where something unexpected has cropped up and you have found yourself short of cash.

If you Need Extra Cash Now? and need it fast for just the short term then talk to the guys over at PaydayUK and see how they may be able to lend you a helping hand.

 

Tips to help you to save money

Everyone likes to save money and for some even savings of a few pounds each month may make a huge difference. There are many ways that you may be able to save a considerable amount of money each month and here are some tips.

Are you paying too much for your electric and gas bills

Numerous individuals stick with the same gas and electric supplier year after year. You may have been with your current suppliers for many years. However did you know that you can switch providers for your gas and electric and is some cases get both from the same provider? By switching providers you may be able to Save Money on your Electricity Billand perhaps your gas bills. In fact the average household could save £325 on their energy bills if they changed supplier. Click here to find out how much you could save.You may wish to find out how to save money by switching providers using this free  Energy Price Comparison Calculator

 

Are you paying over the odds for your telephone calls?

Another way that you may be able to save money each year is by changing your telephone service provider. You may wish to click here to compare prices on UK telephone suppliers and save up to 90% on your phone calls.Imagine being able to save as much as 90% on the cost of your calls and still have a great telephone service. It costs nothing to find out how much you might be able to save.

Get cheaper car insurance

We love our cars and cannot manage without them, however cars often cost a fortune to run each year with petrol costs, repairs, MOT and of course car insurance. You may be able to get cheaper car insurance each year and in some cases you may be able to Save up to £150 on car insurance

Save money on your water bills

Water is a necessity that we cannot live without and therefore have to pay for it. However you do not have to pay over the odds for your water bill and you may be able Save money on your water bill.

Any of the above are suitable and genuine ways that you may be able to save money each year, and it may be a substantial amount of money if you are able to switch all of your providers for a cheaper and better deal. 

Consider changing your energy supplier to help yourself become debt free

If you are feeling the pinch at the moment, and aren't we all? You may wish to consider some of the these simple and no cost ways to become free of debt worries and save what may be a considerable amount of money each year.

Ways to make savings each year


One of the ways you may be able to make savings each year and therefore reduce the chance of falling into debt is to Save Money on your Electricity Bill, while you may not think you can save a great deal, The average household could save £325 on their energy bills if they changed supplier. Click here to find out how much you could save. However do not take my word for it, use this Energy Price Comparison Calculator to find out how much you may save each year.

Another way you may be able to make savings is to reduce the amount that you pay for your car insurance. You may be able to Save up to £150 on car insurance which means more money in your pocket to ease the worry of debt.

Your telephone bills may also be causing a huge headache for and once again you may wish to consider switching your provider to save money so you may wish to click here to compare prices on UK telephone suppliers and save up to 90% on your phone calls.

You might also wish to see if you can Save money on your water bill. Any of these links may allow you to save hundreds of pounds each year by comparing and switching your services and car insurance.

Finding debt management help

A debt management team may be able to suggest ways of you being able to become debt free if you are already struggling in debt. For instance you may wish to consider a consolidation loan. This means you add up all of your existing unsecured debt and take out one loan to pay all your creditors off. If you can take out a consolidation loan with a loan rate of interest and spread it out over so many years, you may be able to save on the monthly repayment. This will give you time to get back on your feet again and providing you keep up with the repayments you will become debt free. Of course it may be tempting to start credit all over again on your credit card so you may wish to cut up that card to avoid temptation.

Depending on the amount of debt you owe your debt management team may suggest you enter into a debt management plan or an IVA. Both of these will allow you to repay your debts over a certain time. However when considering these it is essential to get debt advice beforehand.

Have debts? Wish to become debt free?

Do you have debts that have shot out of control? You cannot find the money to clear them. If so you are not alone, there are thousands of people all across the UK who has fallen into debt, but there are ways you can pay off your debt and become debt free.


There are several options to becoming debt free and a debt management team can talk over with you, which may be the best solution for you to break free of debt.

• You may wish to think about taking out a consolidation loan to help you to pay off your debt. When taking out a consolidation loan you put together all your existing debts and then take a loan to clear this amount. Providing you continue with the plan and continue the monthly conditions for your consolidation loan, you will become free of debt when the term of the loan has been reached.
  
• Your debt management team might suggest that you take out an IVA or a debt management plan to pay off your debt over time. Both are viable options and are suitable ways to become free of debt by paying one sum of money to your debt management team who will distribute it to those you owe money to. Whether you choose an IVA or a debt management plan will depend on the amount of money owed.
  

This article was written by Copywriting 4 U who are professional SEO copywriters who may be able to improve your Google rating with quality, original SEO articles and web content.

Become debt free by taking out a consolidation loan

If you have fallen into the trap of debt and you have no idea how to pay off your debt and become debt free then you may wish to consider taking out debt consolidation. A debt consolidation loan when taken out correctly can help you to pay off debt that you have built up due to unsecured loans, credit cards, store cards, or home shopping catalogues. However, debts such as mortgage arrears need to be treated differently and you cannot include these in a consolidation loan.


A consolidation loan works towards you being able to become debt free by taking the total amount that you owe to all your creditors, adding this together, and then taking one loan out, with a low monthly interest rate.




For instance if you owe £500 on one credit card, £200 on another and have a loan with an outstanding balance of £5,000 you take a consolidation loan for £5,700 and then use this money to pay off your creditors. This then means that you are only paying back one monthly sum for the consolidation loan.




If you find a loan with a low rate of interest, you may be paying less each month than the total amount to separate creditors. Another way you may be able to save each month is if you spread out the consolidation loan over a longer period. However, while this keeps down the monthly payments you have to remember that you will pay more back in interest in the end.




If you are considering a consolidation loan as a way to become debt free then you may wish to contact a debt management team to help you find the most suitable deal.




This article was written by Copywriting 4 U who are a team of professional SEO copywriters and may be able to improve your Google rating with well-written and original content.

Are you feeling the stress of mortgage arrears?

Author: Copywriting 4 U

If you have fallen behind on your mortgage and are in mortgage arrears then you will benefit from taking mortgage advice with specialists. There are numerous reasons why you may have succumbed to mortgage arrears, especially with the economy as it is at this moment with unemployment and redundancy being a huge problem. Here are some tips if you are looking for mortgage advice.

One of the most important factors when first falling into problems with your mortgage, is that you get in touch with your mortgage lender. The majority of mortgage lenders are understanding to some degree and they may allow you to make arrangements to repay your arrears. However if you have become unemployed then you may not be able to reach an agreement with them. In some cases your mortgage lender may not allow you time to repay what you owe and then you have to look into other measures.

One way of avoiding the lender repossessing is if you re-mortgage. This means that you take out another mortgage and your existing one is paid off along with the arrears. If you are suffering short term financial problems then you may wish to consider taking out an interest only mortgage. The repayments each month are usually considerably less, however you are only paying the interest on what you borrow.

Another alternative is selling your home to a company that offers you the chance to sell and rent back. You sell your home for cash and then rent it back each month for an affordable sum of money. You also have the option of being able to buy back the property once you have settled down financially.

Finally you can look into selling your home yourself and moving into rented housing. However you may not be given time by your lender to sell and as people are not buying you may struggle to sell.

Whichever option you choose it is essential that you take mortgage advice and help for mortgage arrears. Do not rush into anything without fully understanding what you are getting into.


About the Author:
Copywriting4U.co.uk is a small but expanding freelance copywriting business that is able to produce on going web content by way of articles, web content, copywriter blog, SEO content, news or provides one off copy.

We offer a freelance copywriter service for SEO copywriting, article copywriter services and web content copywriting to meet your individual needs to help you improve your google ranking.
Article Source: ArticlesBase.com - Are you feeling the stress of mortgage arrears?

Save money by shopping online

If you are struggling to find perfect gifts for your loved ones this Christmas, or indeed at any time of the year then you may wish to consider shopping online to find the best and cheapest deals around....

There are numerous online websites where if you use them to compare the cost of items you are able to save a great deal of money. For instance I needed a new Christmas tree this year and I compared the cost of them on my high street and then online. By choosing to shop online I was able to get the same tree seen in the high street for half of the price, this was an amazing saving of £25 and money in my pocket. Of course this is just one example and if you are buying this Christmas for a large family and friends then you may be able to save much more than this in total.

When looking for online stores there are many. Many of your favourite stores from the high street can be found online with some offering exclusive purchases when buying online. Others such as Amazon.co.uk provide new and used products and this again can help you to make savings and avoid the problems of debt mounting up which you have to face in the New year.

If you are already in debt then you may wish to consider looking into a debt management plan and seek help with a debt management team to become debt free.

Is Xmas bringing you nothing but stress and anxiety?

As Xmas is just around the corner this means eating, drinking, and fun all-round. However that is to say it should mean this, unless you are up to your neck in debt with unsecured loans or credit cards. If you are already in debt and fear that Christmas spending on your card or by taking out another loan, means you are worried about adding more debt onto your existing debts then you need to seek debt advice and help...

Do your fear overspending at Christmas time?

 Christmas can be a great time of the year if you have no money problems. However should you be in debt and fear that Christmas spending on your credit card will put you in the red and you will be unable to repay or you are simply worried about adding more debt onto your card then you need to seek debt help...

A joyous time if you are debt free

 Christmas is all well and good if you do not have money problems or children that are relying on "Father Christmas" putting gifts under the tree. However should you be in debt then it can definitely be the "nightmare before Xmas" ...

Is Christmas a huge worry

With Christmas on its way it is a time for families, joy, eating, drinking and being merry. That is unless you are up to your neck in debt with unsecured loans or credit cards. If you have fallen into the debt trap and fear that Christmas spending on your card is going to be the last straw then you need to seek debt help...