{"id":5961,"date":"2014-01-04T07:05:48","date_gmt":"2014-01-04T07:05:48","guid":{"rendered":"https:\/\/www.pennygolightly.com\/\/?p=5961"},"modified":"2022-10-19T12:33:57","modified_gmt":"2022-10-19T11:33:57","slug":"jump-start-jan-personal-finance-week-day-4","status":"publish","type":"post","link":"https:\/\/www.pennygolightly.com\/jump-start-jan-personal-finance-week-day-4\/","title":{"rendered":"Jump Start Jan: Personal Finance Week: Day 4"},"content":{"rendered":"<p><strong><a href=\"https:\/\/www.pennygolightly.com\/\/wp-content\/uploads\/2014\/01\/day-4-debts-or-savings-personal-finance-week-Jump-Start-2014.jpg\"><img decoding=\"async\" class=\"alignright  wp-image-5962 lazyload\" alt=\"day 4 debts or savings personal finance week Jump Start 2014\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" data-src=\"https:\/\/www.pennygolightly.com\/\/wp-content\/uploads\/2014\/01\/day-4-debts-or-savings-personal-finance-week-Jump-Start-2014-300x150.jpg\" width=\"240\" height=\"120\" \/><noscript><img decoding=\"async\" class=\"alignright  wp-image-5962 lazyload\" alt=\"day 4 debts or savings personal finance week Jump Start 2014\" src=\"https:\/\/www.pennygolightly.com\/\/wp-content\/uploads\/2014\/01\/day-4-debts-or-savings-personal-finance-week-Jump-Start-2014-300x150.jpg\" width=\"240\" height=\"120\" srcset=\"https:\/\/www.pennygolightly.com\/wp-content\/uploads\/2014\/01\/day-4-debts-or-savings-personal-finance-week-Jump-Start-2014-300x150.jpg 300w, https:\/\/www.pennygolightly.com\/wp-content\/uploads\/2014\/01\/day-4-debts-or-savings-personal-finance-week-Jump-Start-2014.jpg 450w\" sizes=\"(max-width: 240px) 100vw, 240px\" \/><\/noscript><\/a>Today is a real troubleshooting sort of day &#8211; if you have any debts, now&#8217;s the time to really take control of them. If you don&#8217;t have any debts then there&#8217;s an alternative activity for you at the bottom of the page.<\/strong><\/p>\n<p>Now, on with the debt busting. Do you have any of the following?<\/p>\n<ul>\n<li>Overdraft<\/li>\n<li>Credit card debt<\/li>\n<li>Store card debt<\/li>\n<li>Mortgage or rent arrears (up-to-date mortgages don&#8217;t count today)<\/li>\n<li>Payday loans<\/li>\n<li>Money owed to loan sharks or doorstep lenders<\/li>\n<li>Other loans (student loans don&#8217;t count today)<\/li>\n<li>Money owed to friends or family<\/li>\n<li>Unpaid\/overdue utility bills<\/li>\n<\/ul>\n<p>Make a note of how much you owe, and alongside each debt also note down the interest (usually this is the &#8216;APR&#8217;). Also note down any debts where you have overdue payments or are being charged penalties and fines &#8211; write down how much any fines are too.<\/p>\n<p>Rank your debts in their order of urgency. The higher the interest, and\/or the bigger the fine for late payment, the more urgently this debt needs to be repaid.<\/p>\n<p>Is your total debt, say, less than an a month&#8217;s wages? If so, write out a plan of how you might pay it off over the next few months, ideally paying off the most urgent debts as a priority (this generally saves the most money in the long run).<\/p>\n<p>The Debt Remedy Tool at the StepChange debt charity website is a very helpful way to start sorting out a debt problem. It takes about 20 minutes to use it, and is well worth the effort.<\/p>\n<p>If you are:<\/p>\n<ul>\n<li>scared about the amount you owe<\/li>\n<li>unable to keep up your repayments<\/li>\n<li>being threatened with bailiffs or other action<\/li>\n<\/ul>\n<p>&#8211; please get some extra help and support from a non-profit debt help organisation such as StepChange or your Local Citizens Advice. Avoid commercial debt consolidation companies that will make a profit from your problems.<\/p>\n<p>Writing to your creditors can get out-of-control debts frozen, or a more manageable repayment plan can be agreed. You may also qualify for all kinds of help, discounts and benefits.<\/p>\n<p><strong>What&#8217;s happening here?<\/strong><\/p>\n<p>I only have one debt, a small amount on a single credit card. My income is irregular as I&#8217;m a freelancer, but I&#8217;m aiming to pay it off within the next 12 weeks &#8211; could be sooner, depending on clients.<\/p>\n<p><strong>If you have no debts<\/strong><\/p>\n<p>Congratulations! Well done indeed. Today you could:<\/p>\n<ul>\n<li>Commit to making regular savings<\/li>\n<li>Find a better rate for any savings you already have<\/li>\n<li>Find out whether you can pay off a mortgage early<\/li>\n<li>Look into pensions or investments<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Today is a real troubleshooting sort of day &#8211; if you have any debts, now&#8217;s the time to really take control of them. If you don&#8217;t have any debts then there&#8217;s an alternative activity for you at the bottom of the page. Now, on with the debt busting. Do you have any of the following?&#8230;<\/p>\n","protected":false},"author":1,"featured_media":5962,"comment_status":"open","ping_status":"open","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":[488],"tags":[],"class_list":["post-5961","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-jump-start"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Jump Start Jan: Personal Finance Week: Day 4 &#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\/jump-start-jan-personal-finance-week-day-4\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Jump Start Jan: Personal Finance Week: Day 4 &#8211; Penny Golightly\" \/>\n<meta property=\"og:description\" content=\"Today is a real troubleshooting sort of day &#8211; if you have any debts, now&#8217;s the time to really take control of them. 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