{"id":17768,"date":"2020-02-27T03:30:03","date_gmt":"2020-02-27T03:30:03","guid":{"rendered":"https:\/\/www.pennygolightly.com\/\/?p=17768"},"modified":"2023-05-13T17:59:38","modified_gmt":"2023-05-13T16:59:38","slug":"tenner-week-feb-2020-day-4-debts-or-assets","status":"publish","type":"post","link":"https:\/\/www.pennygolightly.com\/tenner-week-feb-2020-day-4-debts-or-assets\/","title":{"rendered":"Tenner Week Feb 2020: Day 4: Debts (or assets)"},"content":{"rendered":"<p><img decoding=\"async\" class=\"aligncenter size-full wp-image-17779 lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" data-src=\"https:\/\/www.pennygolightly.com\/\/wp-content\/uploads\/2020\/02\/Tenner-Week-Feb-2020-Day-4.jpg\" alt=\"Tenner Week Feb 2020 Day 4\" width=\"680\" height=\"450\" \/><noscript><img decoding=\"async\" class=\"aligncenter size-full wp-image-17779 lazyload\" src=\"https:\/\/www.pennygolightly.com\/\/wp-content\/uploads\/2020\/02\/Tenner-Week-Feb-2020-Day-4.jpg\" alt=\"Tenner Week Feb 2020 Day 4\" width=\"680\" height=\"450\" srcset=\"https:\/\/www.pennygolightly.com\/wp-content\/uploads\/2020\/02\/Tenner-Week-Feb-2020-Day-4.jpg 680w, https:\/\/www.pennygolightly.com\/wp-content\/uploads\/2020\/02\/Tenner-Week-Feb-2020-Day-4-300x199.jpg 300w\" sizes=\"(max-width: 680px) 100vw, 680px\" \/><\/noscript><\/p>\n<p>We&#8217;ve made it to Thursday! How&#8217;s your budget going? Today&#8217;s activity is <strong>all about debts<\/strong>, and keeping an eye on your borrowing. (If you don&#8217;t have any debts then scroll down to the bottom of the page for an alternative activity about assets).<\/p>\n<p>The last week of February is one of the most common times of the year for people to realise that they&#8217;re struggling with debts, so now&#8217;s a good time to have a look at your own personal situation. Do you have any post-Christmas fallout, or is it pretty much under control? This exercise can be useful either way.<\/p>\n<h1>How to check though your debts<\/h1>\n<ul>\n<li>Collect all your borrowing information together, including overdrafts, credit cards, short or long term loans, store cards and the newer buy-now-pay-later services if you use those.<\/li>\n<li>Exclude your mortgage and student loans from this roundup.<\/li>\n<li>Note down how much you owe to each creditor, and how much interest they&#8217;re charging you, plus any additional fees.<\/li>\n<li>Make sure you know the APR (annual percentage rate) every bit of borrowing.<\/li>\n<li>Compare your monthly outgoings on your debt repayments to your total monthly income. Does it take up a large amount of your take home pay? Are you struggling to make the minimum repayments each month or are you okay?<\/li>\n<li>Do you have any missed payments? If so, contact the lender today to make up the missed payment or to tell them if you are struggling &#8211; they tend to be more flexible with people who keep in contact with them.<\/li>\n<li>If your debts are seriously worrying you, contact a non profit organisation such as <a href=\"https:\/\/www.stepchange.org\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>StepChange debt charity<\/strong><\/a> or <a href=\"https:\/\/www.citizensadvice.org.uk\/debt-and-money\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>Citizens Advice<\/strong><\/a> for help and information. They can help you work out a realistic repayment plan and deal with your creditors.<\/li>\n<li>See whether you can change any high interest borrowing to a lower interest or interest free product.<\/li>\n<li>If at all possible, do not do any further borrowing on your credit cards, overdraft or short term loans.<\/li>\n<li>Re-draw your household budget to allocate more to debt repayments if you can.<\/li>\n<li>If you have any easy access cash savings, use at least some of them to pay off your debts faster.<\/li>\n<\/ul>\n<h2><strong>No debts? Great! Try this:<\/strong><\/h2>\n<ul>\n<li>Have a look through your savings, investments, and financial products.<\/li>\n<li>Make a note of how much you have saved up or paid in.<\/li>\n<li>Look at the interest it&#8217;s earning, how well investments are performing, and whether it&#8217;s tax efficient (such as in an ISA wrapper).<\/li>\n<li>Is it all going in the right direction? How is the rest of the market looking? Could you be earning more interest in a different savings account, for example?<\/li>\n<li>Decide whether you want to meet with an independent financial adviser to discuss your finances.<\/li>\n<li>Think about your short term and long term goals and plans. Have they changed since the last time you thought about them?<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><strong>That should give you plenty to be getting on with today, and then to change the pace tomorrow is going to be more lighthearted and fun.<\/strong><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>We&#8217;ve made it to Thursday! How&#8217;s your budget going? Today&#8217;s activity is all about debts, and keeping an eye on your borrowing. (If you don&#8217;t have any debts then scroll down to the bottom of the page for an alternative activity about assets). The last week of February is one of the most common times&#8230;<\/p>\n","protected":false},"author":1,"featured_media":17779,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_kadence_starter_templates_imported_post":false,"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"footnotes":""},"categories":[575],"tags":[],"class_list":["post-17768","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-live-on-10"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Tenner Week Feb 2020: Day 4: Debts (or assets) &#8211; Penny Golightly<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.pennygolightly.com\/tenner-week-feb-2020-day-4-debts-or-assets\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Tenner Week Feb 2020: Day 4: Debts (or assets) &#8211; Penny Golightly\" \/>\n<meta property=\"og:description\" content=\"We&#8217;ve made it to Thursday! 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