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  • Privacy Policy

    Privacy Policy Information 1. Accountability We have developed and implemented policies and procedures for the protection of personal information. We readily make available upon request specific information about our policies and practices relating to the management of personal information. 2. Consent Unless implied or otherwise inappropriate, we obtain your consent to the collection, use or disclosure of personal information. 3. Individual Access On request we will inform you, within a reasonable time and at minimal or no cost to you, of the existence, use, and disclosure of your personal information and give you access to that information. Where any inaccuracy of personal information is found, we promptly amend the information as required. 4. Identifying Purposes At or before the time personal information is collected, we identify the purposes for which such information is collected. We collect only information which is necessary for the purposes that have been identified. If we Read More

  • How To Work Out Your Budget

    Your Budget If you have debts, you’ll need to work out if you’ve got enough money to pay off what you owe. To do this, you will need to work out how much money you’ve got coming into your household and how much you need to spend. This is called your budget. Once you’ve worked out your budget, you’ll be able to see how much you’ve got left over to pay off your debts. Listing Your Income The first thing you need to do to work out your budget is list all the income for your household. Be honest and make sure that the amounts are realistic. The list of your income should include: Wages or salaries for your partner and yourself. Put in your net earnings, that is, after deductions. This should be the amount you regularly receive. If the amounts are different each month, average them over three or Read More

  • 3 Tips To Help You With Your Debt

    This article focuses on 3 very simple tips that are often overlooked, to help you with your debt. Many people are overwhelmed with their debts. There’s no reason for it to be this way and you do not need to suffer with it any longer. Follow these tips:   1. Go With Lower Interest Credit Cards Your monthly payment is a combination of principal and interest charges. Lower interest means more share towards principal and faster elimination of the debt. Few ways to get a lower rate: Apply for lower interest credit cards, and transfer your current balance. Request your bank/provider to lower the interest rate on your existing credit cards. Look for promotion store cards with low or deferred interest charges. 2. Pay Your Credit Card Debt With Loans Or Lines Of Credit. Usually, a loan comes with lower interest charges. It can also put in order your monthly Read More