Jobseekers: beware of fraudulent training offers

00:01 | 24 Feb 2009 | By Deborah Hyde

Hundreds of people are paying for courses that don't exist or aren't worthwhile.  

Are comparison sites useful?

00:01 | 04 Jan 2009 | By Lorna Bourke

Generally yes – but you must treat the information with caution.

Why are credit reference agencies so important?

12:27 | 03 Nov 2008 | By Lorna Bourke

Credit reference agencies maintain files on all your borrowings, and any arrears or defaults will affect your ability to borrow in future.

Should I get a consolidation loan?

00:01 | 20 Jun 2008 | By Lorna Bourke

It could be useful if you need to reduce your monthly repayments on borrowing, but the overall cost may be higher.

Am I addicted to debt?

13:00 | 12 Jun 2008 | By Lorna Bourke

No – you are addicted to overspending

Book Review: How to Get Out of Debt by Jerrold Mundis

00:01 | 08 Jun 2008 | By Tom Butler-Bowdon

Your debts may appear to be insurmountable, but help is at hand – this well-worn, reliable path will rescue you from despair.

Is all debt bad debt?

12:24 | 03 Jun 2008 | By Lee Robertson

‘Neither a borrower nor a lender be’; just how relevant is that advice today?

What should I do if I get into debt problems?

09:00 | 22 May 2008 | By Lorna Bourke

Taking positive action now can help you deal with debt problems before they get out of hand - otherwise organisations such as Citizens Advice Bureau or National Debtline can provide valuable advice.

Great tips to improve your credit rating

00:14 | 01 May 2008 | By Joss Harwood

Nobody has an automatic right to credit. Now that borrowing is harder,  it’s more important than ever to make sure your record is smartened up to impress choosy lenders.

Lorna Bourke: Act early to avoid remortgage problems

14:18 | 25 Mar 2008 | By Lorna Bourke

Many banks and building societies are withdrawing their more favourable mortgage deals. Planning ahead is essential to ensure your payments stay affordable

How can I make a budget and stick to it?

11:48 | 01 Mar 2008 | By Lorna Bourke

Few individuals sit down and work out all their inescapable outgoings and set them against their income. But unless you keep your spending within sensible limits, leaving a margin for savings, you can easily find yourself in trouble.

How do credit cards work?

07:00 | 28 Feb 2008 | By Lorna Bourke

Credit cards can be used to pay for goods and services or withdraw cash up to a pre-agreed credit limit.

How much is too much debt?

15:35 | 27 Feb 2008 | By Lorna Bourke

Should I have bigger debts or a bigger mortgage?

15:28 | 27 Feb 2008 | By Lorna Bourke

What are the pros and cons of personal loans?

14:51 | 27 Feb 2008 | By Lorna Bourke

Personal loans are usually cheaper than overdraft or credit card borrowing but you must repay the loan within an agreed period and if the borrowing is secured against your home, you risk repossession if you default on payments

Students need to be savvier about debt

11:53 | 14 Apr 2005 | By Lorna Bourke

Student debt is on the increase and will eventually become a major factor in preventing graduates getting on the housing ladder.

Citizens Advice offers website help for aggrieved holiday shoppers

08:51 | 21 Jun 2004 | By Lorna Bourke

With the holiday season looming it is comforting to know that a new website from the Citizens Advice Bureau offers help to those who have problems with goods or services bought in EU countries.

Lorna Bourke: make sure you get the minimum

17:26 | 26 Nov 2003 | By Lorna Bourke

Millions of students and young people who are looking for holiday jobs this Christmas should take heart from the experience of four local workers in Scotland.

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