IVA: Individual Voluntary Arrangement: IVA Advice: IVA Calculator https://ivadebt.uk Independent official IVA website: Consolidate your debts into one affordable payment and write off unaffordable debts with an IVA Tue, 19 Mar 2019 13:06:25 +0000 en-US hourly 1 https://wordpress.org/?v=5.2.2 https://ivadebt.uk/wp-content/uploads/2016/06/cropped-iva-debt-uk-sjkga-1-32x32.png IVA: Individual Voluntary Arrangement: IVA Advice: IVA Calculator https://ivadebt.uk 32 32 Council Tax Bills To Rise https://ivadebt.uk/council-tax-bills-to-rise/ https://ivadebt.uk/council-tax-bills-to-rise/#respond Tue, 19 Mar 2019 13:02:23 +0000 http://ivadebt.uk/?p=7640 Council tax bills in England will increase by an average of 4.5% from April, reaching more than £1,800 in some regions, research suggests. It is the second highest rise in...

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Council tax bills in England will increase by an average of 4.5% from April, reaching more than £1,800 in some regions, research suggests.

It is the second highest rise in a decade, the Chartered Institute of Public Finance and Accountancy (Cipfa) said.

The Local Government Association said cuts had left councils “little choice”.

The government said they were “responsible for managing their own resources.”

A survey of 312 councils by Cipfa found eight out of 10 will impose the maximum increase permitted.

Local authorities in England are allowed to raise their council tax by 2.99%, plus a further 2% if they provide social care. Any that want to exceed this must hold a referendum.

Cipfa said the annual Band D bill would rise by an average of £75.60.

The increase varies from an average of £71 in London to £86 in the north-east.

Funding for the police makes up about a third of the increase, with police and crime commissioners permitted to double their precept from £12 to £24.

Frequently Asked Questions

Help With Council Tax – Council Tax Bands – How Is Council Tax Paid – Council Tax Reduction – Council Tax Bill WrongCan’t Pay Council TaxCouncil Tax ArrearsDealing With Bailiffs

In 2018-19 bills increased by an average of 5.1%, the largest rise for 10 years.

The effect of the referendum cap meant that bills fell in real terms between 2011 and 2015 because they did not increase in line with inflation.

Gloucestershire County Council was one of the authorities to approve the full 4.99% increase.

Lewisham in London, Birmingham City Council, North Yorkshire County Council and Kent County Council are among those where council tax will rise by 4.99%.

Those not rising by the maximum include Cornwall (3.99%) and York, which voted for a 3.25% increase.

Rob Whiteman, chief executive of Cipfa, said the increase was a reflection of the “incredible” financial pressures faced by local authorities and the police.

“Local authorities have faced the most significant cuts to spending over the last ten years,” Mr Whiteman said.

“Despite the government’s announcement that austerity is ending, for local authorities this is clearly not the case.”

Councillor Richard Watts from the Local Government Association said councils had lost “60p out of every £1” the government had provided for services since 2010.

“Faced with such funding pressures, many councils feel they have little choice but to ask residents to pay more council tax again this year to help them try to protect their local services,” he said.

Frequently Asked Questions

Help With Council Tax – Council Tax Bands – How Is Council Tax Paid – Council Tax Reduction – Council Tax Bill WrongCan’t Pay Council TaxCouncil Tax ArrearsDealing With Bailiffs

A spokesman for the Ministry of Housing, Communities and Local Government (MHCLG) said: “Councils, not central government, are responsible for managing their own resources.

“Taxpayers can veto excessive increases via a local referendum.”

The local referendum rule only applies in England. The National Assembly for Wales and the Scottish Parliament have the power to cap local authorities’ council tax rises.

More FAQs 

There are ways out of debt and you are not alone! Call us today on 0800 088 2599 or alternatively, click the button below to request a call back and get the help which you need.

For more advice Try Our Debt Free Calculator or call their advisers on 24 hour Freephone: 0800 088 2599

#Write off Debts   #Stop Creditor Pressure   #Lower Your Monthly Repayments   #Interest and Charges Frozen   #Free Impartial Advice   #Become Debt Free  #BeatTheBailiff   #KnowYourRights  #CouncilTax  #CouncilTaxRise  #CouncilTaxArrears

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Dealing With Bailiffs https://ivadebt.uk/dealing-with-bailiffs/ https://ivadebt.uk/dealing-with-bailiffs/#respond Tue, 15 Jan 2019 16:34:39 +0000 http://ivadebt.uk/?p=7630 It’s easy to brush aside debts and push them under the carpet until the day comes that a bailiff turns up at your door without any prior notice, It doesn’t...

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It’s easy to brush aside debts and push them under the carpet until the day comes that a bailiff turns up at your door without any prior notice, It doesn’t matter who you are as nobody seems immune with a string of celebrities who are in the public eye having recently had a visit from a bailiff for outstanding debts: Katie Price , Suzanne Shaw and More

There has been a alarming rise in stories such as ‘Debt Killed My Dad’ and more recently the documentary showing true life event of Jerome Rogers ‘Killed By My Debt‘ highlights the rise in poor practices being carried out by bailiffs

Here are some tips and advice how to deal with the bailiffs and your rights. We are always more than happy to deal with them for free 0800 088 2599  or  Try Our Debt Free Calculator

The Bailiffs Are At My Door – What Can I Do?

When people are living in debt, commonly the biggest fear they seem to have is answering the door to be greeted by bailiffs. The thought of having a bailiff break in to your home to take property is a terrifying thought, yet unrealistic at the same time. They are not actually allowed to do this. Bailiffs have to follow a specific procedure which actually includes pre warning you about their plan to arrive at your home.

Bailiffs and debt collectors – what’s the difference?

Bailiffs are employed by the courts to collect certain types of debt. However, they are different to debt collectors. A debt collector can come to your home to query about your debt at any time; however they have no rights to take any of your assets. Bailiffs can come to collect debts such as; parking fines, child maintenance arrears, tax arrears and CCJ’s (County Court Judgements). For a bailiff to visit your home your creditor(s) must have sent you a final demand and a weeks’ notice that the bailiffs will be paying you a visit.

Do I have to let the bailiffs in?

It’s important to know your rights when it comes to bailiffs. You do not legally have to let them into your home. However, there are certain situations in which a bailiff can use force to enter your home if you refuse to let them in. If a bailiff has been granted a right to force entry this isn’t to say they can push past you or break a window to gain entry. They can break a door lock or remove a lock on your gate to get in though. Bailiffs are only allowed to enter your home by entering normally (they cannot climb through your kitchen window) and they are restricted to certain hours which they enter your home.

What do I do when they arrive?

Firstly, you can ask for their ID and proof of authorisation. This way you can check they are actually bailiffs and not debt collectors. Do not let them in; you can talk to the bailiff through your letterbox to discuss your rights. Also remember that you must have had at least 7 days’ notice of their arrival.

If you do open your door, you can refuse to let them in your home and block the bailiffs’ entrance. If you can afford to do so, you can offer to make some form of payment to the bailiff. However, you must always ask for a receipt and do this outside your home. If this is unrealistic and you cannot afford to make a payment to the bailiff, you should ask them to leave. You can tell them that you will contact your creditor(s) to make a payment towards your debt however you will still have to pay the bailiff fees.

What can the bailiffs take?

Bailiffs cannot take everything, and they can only take your belongings. You must prove that any other items do not belong to you however. Anything used for self-employed work including tools, phones and computers (if they’re worth less than £1350), items which aren’t worth much, any items which belong to or are only used by a child, items needed to care for an elderly or sick person and items needed for day to day lives of you and your family cannot be taken by the bailiffs.

You need to take action!

The threat of bailiffs arriving is a sign that you need to help manage your debts. It’s important to act quickly to avoid worsening the situation. It’s not something you can put to the back of your mind. Pay what you can towards your debts and contact your creditors to explain your situation. If the thought of having to talk to your creditors worries you, or you need expert help you need to talk to a specialist company such as ourselves. We are experts in negotiating with your creditors and we can start working with you as soon as the call has ended!

More FAQs 

There are ways out of debt and you are not alone! Call us today on 0800 088 2599 or alternatively, click the button below to request a call back and get the help which you need.

For more advice Try Our Debt Free Calculator or call their advisers on 24 hour Freephone: 0800 088 2599

#Write off Debts   #Stop Creditor Pressure   #Lower Your Monthly Repayments   #Interest and Charges Frozen   #Free Impartial Advice   #Become Debt Free  #BeatTheBailiff   #KnowYourRights

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Become Debt Free In 2019 https://ivadebt.uk/become-debt-free-in-2019/ https://ivadebt.uk/become-debt-free-in-2019/#respond Thu, 27 Dec 2018 11:56:26 +0000 http://ivadebt.uk/?p=7588 It’s easy to brush aside debts in the run-up to Christmas, with presents to purchase and days out with the family. But now it’s the New Year and it’s time...

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It’s easy to brush aside debts in the run-up to Christmas, with presents to purchase and days out with the family. But now it’s the New Year and it’s time to deal with the problem head on. So here are five ways you can get your debts in order this for 2019!

Make a budget

First off, take all your credit and debit card statements and make a list of the items you’ve purchased throughout 2018 that can be cut down on, and, or cut out completely. Maybe your Netflix subscription is no longer essential, cut it out. Dedicate a day to working through your past statements and cancelling any direct debts that need to be cancelled. Next, we can take a look at how much you are spending on your weekly food shop, if this is something that seems to be in excess and causing you money problems there are some brilliant apps available for you to budget while shopping.

If you cannot manage to budget yourself why not try our Free Debt Calculator which will show you how much debt you could potentially right off

Know your debts

If you participated in step one you may be half way there with this step already. Start by identifying all your debts, including overdrafts with banks. Next find out the interest rates you are paying on each of these debts, this will help you prioritise which debts to pay off first. Debts with higher interest rates should be made your first priority!
If you are struggling to find all of your debts and who exactly they are with there are free credit report tools you can take a look at that will help you with this step. Noddle and Clearscore are both free and show you your entire credit report.

Our team can also help you manage your debts and consolidate everything into one affordable payment Try Our Free Debt Calculator

ivadebt.uk

Put your debts in order of priority

Following on from step two, once you know your debts you can start to plan a priority list. Not paying back certain debts can have serious implications, so you have to figure out what order this will fall into for you and your financial situation. For example, falling behind on your council tax can result in bailiff action pretty quickly, it can also result in serious implications such as seizure of goods from the bailiffs, so make sure this is a priority debt. The same goes for your mortgage payments, if you fall behind on these the implications are serious, you will end up losing your home.

Speak to your creditors

Once you’ve got a plan in place it may be time to speak with some of your lower priority creditors to see if you can come to some sort of payment plan which will work out better for you. Some creditors will suspend your interest for a set period of time, it’s worth giving them a call and explaining your situation to see how they can help you.

Consider a Payment Plan

If you feel like your debts have spiralled out of control and you can’t see a way out and feel as though you may need help from an expert, IVA Debt UK provide free one to one consultations for people struggling with problem debts and can help them find the correct solution for their financial circumstances. We will deal with your creditors for you so you don’t have to and could have you on a repayment plan that suits your financial situation in no time, paying back one set amount each month.

For more advice Try Our Debt Free Calculator or call their advisers on 24 hour Freephone: 0800 088 2599

#Write off Debts   #Stop Creditor Pressure   #Lower Your Monthly Repayments   #Interest and Charges Frozen   #Free Impartial Advice   #Become Debt Free

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Benefits Over Christmas 2018 https://ivadebt.uk/benefits-over-christmas-2018/ https://ivadebt.uk/benefits-over-christmas-2018/#respond Mon, 17 Dec 2018 14:09:13 +0000 http://ivadebt.uk/?p=7580  Benefits over Christmas 2018: What you need to know While Christmas is a time of great joy and celebration – it can also be a time of stress and great...

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 Benefits over Christmas 2018: What you need to know

While Christmas is a time of great joy and celebration – it can also be a time of stress and great worry as the cost of presents, food and normal day-to-day living stacks up. That worry can be even greater for families with low incomes or in receipt of benefits unsure of how their payments might be affected.

Child Benefit and Universal Credit is usually paid monthly – although Universal Credit may be paid fortnightly to some people in Scotland.

Tax Credits can be paid weekly or every 4 weeks.

Your payment dates might change over the Christmas and New Year period. This isn’t generally a bad thing as you will be paid earlier rather than later, but it’s handy to know when your payments should arrive.

Universal Credit

HMRC says that after your first Universal Credit payment, you’ll be paid on the same date of every month.

If your payment date is on a weekend or a bank holiday however you’ll be paid on the working day before.

Christmas Day (December 25), Boxing Day (December 26) and New Year’s Day (January 1) are all public holidays in the UK.

Christmas Eve (December 24) and New Year’s Eve (December 31) are NOT public holidays.

This means that Universal Credit due on Christmas Day or Boxing Day should be paid on Christmas Eve (December 24), which falls on a Monday this year.

Payments due on New Year’s Day should be made on New Year’s Eve (December 31), which is also a Monday.

Child Benefit

A similar pattern applies to Child Benefit payments over the Christmas period.

So if you have a payment due on Christmas Day or Boxing Day, you should receive it on Christmas Eve.

If you have a payment due on New Year’s Day however, this will also be paid on Christmas Eve (December 24), just over a week early.

Tax Credits

If you are still receiving Tax Credits rather than Universal Credits, it’s slightly more complicated.

HMRC has published a list of payment dates over the festive period.

Payments due on 25 December 2018 will come through on 24 December 2018

Due Dates

Due on 26 December 2018 – paid on 24 December 2018

Due on 27 December 2018 – paid on 24 December 2018

Due on 28 December 2018 – paid on 27 December 2018 – England, Scotland and Wales only

Due on 1 January 2019 – paid on 31 December 2018

Due on 2 January 2019 – paid on 31 December 2018

Due on 3 January 2019 – paid on 2 January 2019 – England, Wales and Northern Ireland only

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Best high street meal deals https://ivadebt.uk/best-high-street-meal-deals/ https://ivadebt.uk/best-high-street-meal-deals/#respond Thu, 09 Feb 2017 15:12:23 +0000 http://ivadebt.uk/?p=7101 We may be guilty of eating out for lunch every day this week, but what better way to bring you our top high street meal deals than actually getting out...

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We may be guilty of eating out for lunch every day this week, but what better way to bring you our top high street meal deals than actually getting out there and trying them for you. So without further ado, here are our top four high street meal deals.

Greggs

best high street meal deals

for a mere £3, you can choose from a range of baguettes, sandwiches, and pastries. Greggs meal deal also includes a drink of your choice off the counter. We went for the Mexican Chicken baguette with a Lucozade, cause everyone could do with a boost before returning to the grind, shhh. What’s great about Greggs meal deal is you can choose to have pretty much any baguette of your choice warmed up; likewise with the pastries, so if you’re feeling a bit nippy in this not so beautiful weather England has graced us with then get down to Greggs and get a nice warm baguette!

Tesco

best high street meal deals

The meal deal at Tesco’s lets you choose between a salad or a sandwich, snack and a drink for £3. The list of sandwiches are longer than my arm so we shan’t list them here, but we would advice you pop into your local Tesco’s because with the amount on offer you’d be mad to not find at least one thing you like. We picked up a full English breakfast sandwich with a packet of salt and vinegar walkers, and an Evian water. All for £3, you can’t go wrong with that price, can you?

Subway

best high street meal deals

Head into Subway at lunchtime and you can pick from 5 different 6-inch subs and a drink for £3! We got a beef melt on cheese and herbs bread, what’s better, we completely went to town with heaps of salad and sauce, with a sprite to top it off, this might have been our favorite meal of the week.

M&S

best high street meal deals

IMG source (http://veggies.co.uk/2013/04/09/ms-vegan-salads/)

Feeling slightly guilty from all the calories consumed in the past few days, we knew M&S would be able to help. We head to the lunch area and found a wide array of salads all for under £3 – but what’s even better is there mix and match meal deal, where you can get two delicious salads or pasta pots for £3! – But with no drink included, we had to spend a little bit more on a bottle of water from the counter.

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What is the individual insolvency register? https://ivadebt.uk/what-is-individual-insolvency-register/ https://ivadebt.uk/what-is-individual-insolvency-register/#comments Wed, 01 Feb 2017 12:25:00 +0000 http://ivadebt.uk/?p=7095 The post What is the individual insolvency register? appeared first on IVA: Individual Voluntary Arrangement: IVA Advice: IVA Calculator.

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What is the individual insolvency register?

There is a public insolvency register available free of charge. This means if you have declared bankruptcy, have an individual voluntary arrangement (IVA) or are party to a debt relief order (DRO) within England and Wales, your name, address and birth date will be public knowledge. This information is available for the public to access because the insolvency services say that, by law, it has to keep a public register of such information. This is used for purposes such as debt recovery, employment screening and checking an individual’s creditworthiness.

Many people are not aware of this public feature. Available at LINK: https://www.insolvencydirect.bis.gov.uk/eiir/
Hopping onto this site and typing in an individual’s forename and surname will give you results of any insolvencies registered against that individual. Don’t concern yourself if it’s a common name, once you search using the above link a list of names identical to the one you typed in will appear. Along with their DOB and the local authority who issued their insolvency. From this information, you should be able to find information on the certain person you are seeking. At this point, it will also inform you what form of insolvency proceeding they undertook, Bankruptcy, IVA or DRO. You can also issue this search on a company using their trading name (for sole traders).

Bankruptcy and Debt Relief Order restrictions

The insolvency register will also allow you to search for further restrictions within an individual or company’s bankruptcy or DRO proceedings for the past three months. This means you can find out if the terms of their agreement have been broken. If this is the case the individual will be issued with a Bankruptcy Restriction Order (BRO) if they are undertaking bankruptcy proceedings and a Debt Relief Restrictions Order (DRRO) if they are undertaking DRO proceedings.

Further to this, if an individual has been issued with restrictions to their bankruptcy or DRO you can find:

  • individuals subject to restrictions
  • How the restrictions will be implicated
  • The details of the individual’s misconduct

This public information can be found here: LINK: https://www.insolvencydirect.bis.gov.uk/IESdatabase/viewbrobrusummary-new.asp and is updated on a weekly basis.

How long will an individual’s or company name remain on the insolvency register?

If the individual undertook bankruptcy proceedings their name will remain on the insolvency register for a further three months from the date of their bankruptcy discharge. If it is in relation to an IVA their name will remain on the register until the individual has completed their IVA, if it has been revoked or if it has failed.

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Help and advice if you incur credit card late fees https://ivadebt.uk/missed-credit-payment/ https://ivadebt.uk/missed-credit-payment/#respond Mon, 30 Jan 2017 17:06:46 +0000 http://ivadebt.uk/?p=7089 The post Help and advice if you incur credit card late fees appeared first on IVA: Individual Voluntary Arrangement: IVA Advice: IVA Calculator.

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Help and advice if you incur credit card late fees

Do not threat if you have missed a repayment on your credit card, it has happened to the best of us. We are here to guide you through the process of missed credit card repayments and the steps to take moving forward to refrain from this occurring again.

Missing a credit card repayment can stay on your credit record for at least six years, so don’t take this with a pinch of salt, meeting your repayment curfew is extremely important, especially if you are seeking to take out further credit in the near future.

If you apply for credit and lenders see that you have missed payments with previous creditors this may lead to you being denied credit. So don’t expect to get good interest rates if you’re making a habit of missing your repayment curfew. Late or missed payments will stay on your credit report for six years and as a result is likely to impact your overall credit score, meaning that any loans or credit you do apply for will come with a higher premium/interest rate.

Your credit record is made up of a number of different factors of information, so just because you have missed one repayment does not mean your credit score will be at rock bottom. If you have other favourable elements on your credit report, such as being registered on the electoral register, and staying at the same address for a number of years, you may find that one missed or late repayment will have little to no effect on how lenders view you.

As your late or missed repayments become older they have less of an impact on your credit score, so if you find you have missed a payment in the last couple of months refrain from applying for further credit for a period of time in order to get the best possible lending opportunities.

account, atm, bank

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Tips to ensure you don’t miss payments again

  • Set up a direct debit so you never miss a payment date (If you are struggling with debts set this to minimum payment until you have spoken to an adviser on how best to deal with debt repayments)
  • Set your payment date to coincide with payday, that way you will always have the funds available to make that minimum payment needed.
  • Speak with your bank about getting payment reminders sent to you via email or direct to your phone via text message.

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Top 3 free Iphone apps for helping to reduce your debt https://ivadebt.uk/top-3-free-iphone-apps-helping-reduce-debt/ https://ivadebt.uk/top-3-free-iphone-apps-helping-reduce-debt/#respond Mon, 23 Jan 2017 12:25:24 +0000 http://ivadebt.uk/?p=7081 If you’re struggling with problem debt and are in that beginning stage of taking the correct steps to help manage the debt before it gets uncontrollable, then we have done...

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If you’re struggling with problem debt and are in that beginning stage of taking the correct steps to help manage the debt before it gets uncontrollable, then we have done some research to find you the top three iPhone apps to help you with your debt management plan.

  1. Debt payoff assistant
  2. Debts break
  3. Financial books manager
Debt payoff assistant

Debt Payoff Assistant will help you to pay off all your debts using the popular Debt-snowball method. The debt-snowball method is the primary debt management technique taught and recommended by many financial experts. Using this approach, you would pay the minimum payments on all your debts until your first debt is payed off. Then you would use the extra payment from the paid off debt and apply it to the next debt. The amount of extra payment will grow as more debts are payed off which results in a “snowball” affect that will help you to pay off subsequent debts faster and increasing your confidence in the process.

Find it here: https://itunes.apple.com/gb/app/debt-payoff-assistant/id475099959?mt=8

debt-assistantDebts break

The mission of this app is to help you become debt free by using the Snowball method which is most popular used and recommended by many financial experts. There are five strategies provided, Highest Interest Rate First, Lowest Balance First. Highest Balance First, Earliest Payment Date First and Custom Order, Debts Break will show you pay off date and interest saved by each strategy. Use this app to manage your debts and track the payoff processes visually.

Find it here: https://itunes.apple.com/us/app/debts-break-pro-snowball-method/id849580933?mt=8

debts-breakFinancial books manager

Financial books manager is a simple tool which makes it easy to manage your financial plan. it can note your income and expenditure and conclude on a day to day basis.
Features:
-Manage your income / expense by timeline.
-Calculate end of the day balance.
-Summary Financial by Date/Month/Year.
-Control Bill and Receipt by adding and editing in details.

Find it here: https://itunes.apple.com/cn/app/financial-books-manager-credit/id1125805167?l=en&mt=8

financial-books-manager
If you find having tried several methods of self-sufficient debt management your debts don’t seem to be getting under control then IVA Debt UK provide free, confidential debt advice to people struggling with problem debt. We can help you find the right debt management plan for your specific needs, and get you back on track to financial stability.

We provide around the clock debt advice on Freephone:  0800 088 2599

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Early bird discount holiday deals! https://ivadebt.uk/holiday-deals/ https://ivadebt.uk/holiday-deals/#respond Wed, 11 Jan 2017 16:09:51 +0000 http://ivadebt.uk/?p=7074 It’s the beginning of the new year, and if you’re super savvy with your money you might be planning your summer 2017 holiday already. If that’s the case, then great!...

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It’s the beginning of the new year, and if you’re super savvy with your money you might be planning your summer 2017 holiday already. If that’s the case, then great! Because you can save some serious dollar by booking your summer holiday in advance.

So without further ado, here are some of the best early bird discount sites/vouchers we can find for you to take advantage of for your summer 2017 vacation. You don’t need to thank us; we like to treat our dedicated readers to the best deals on the market!

LINK:  www.jet2.com

Jet 2 provide excellent package holidays, with air travel, hotel, baggage and transfers all included in the final price. They are currently offering 10% off all summer 2017 flights! Better yet, for a limited time only they are providing a discount of £100 per person off the total price of the holiday, that’s a £400 saving for a family of 4. Wow!

LINK: www.loveholidays.com

Love holidays currently have a flash sale of up to 50% off on selected holidays, that includes air travel and hotel! If it’s a budget holiday you’re looking for we found a family of four can travel to Costa Brava, Spain during the school summer holidays for £703 all in. Now that’s a bargain!

LINK: www.thompson.co.uk

Household name Thompson’s are offering £100 off your summer 2017 holiday right now by using discount code ‘SALE100’ at checkout.

holiday deals

LINK www.thomascook.com

Wanting to travel to Spain or Portugal this summer, then don’t miss out on the offer Thomas Cook are providing right now for you early birds! You can save £100 off your entire holiday price using discount code ‘SPAIN100’ at checkout.

LINK: www.virginholidays.co.uk

If you’re seeking sun a litter further afar, then Virgin holidays have a sale on now for resorts such as Florida, Caribbean and many more! But hurry, it won’t last forever!

LINK: www.travelrepublic.co.uk

If a holiday payment plan works best for you then Travel Republic are offering you a January discount deposit price of just £49 per person to secure the holiday of your dreams. That’s a saving of up to 30% than if you booked it later in the year!

LINK: www.hoseasons.co.uk

If your holiday looks more like a rural village with a stunning green backdrop, then Hoseasons are currently offering a low deposit of just £30 to secure your summer 2017 adventure. Be quick though, offer ends 28th February.

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Ways To Save Money! https://ivadebt.uk/save-money/ https://ivadebt.uk/save-money/#respond Thu, 15 Dec 2016 12:27:30 +0000 http://ivadebt.uk/?p=7016 Many of us will be starting 2017 with a sore head, not just from the night before… but being financially in the red! If you’re one of these people, like...

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Many of us will be starting 2017 with a sore head, not just from the night before… but being financially in the red! If you’re one of these people, like millions of others – you are on the right page! Whether you want to clear your debt or become a little bit savvier with your finances, follow our top tips to help you gain control!

Save money on energy!

save money energy

Unless you’ve been hiding under a rock for the past few months, you’ll have realised that it’s been absolutely freezing! With the temperatures being at the lowest around this time of year, in turn the energy bills are at their highest.

According to the Energy Saving Trust, turning your thermostat down by just one degree can help you save up to £90 per year! Turning your appliances off when they are not in use instead of leaving them switched on could also save you another £30! It may not seem much, but every penny counts!

The real savings are to be made from doing your research and switching to a cheaper deal with another energy provider. Comparison site uSwitch say you can save up to £618 on your energy bills by switching now! Save money today!

Cut down on waste!

save money food waste

Did you know that households in the UK throw 7 million tonnes of food away each year! Around 50% of this is said to be perfectly good for consumption.

There are ways to crack down on your food waste. Cooking and preparing too much is the most common cause of wasting food for families, instead of throwing away what you don’t use – freeze them! There’s nothing wrong with freezing your leftovers and reheating them at a later date – they often taste nicer too!

Shop around your life insurance!

save money life insuranceLife happens, circumstances change and your needs become different. This is why it’s important to get a second opinion on your life insurance policy. People often find that they are paying much more than what they should be doing when it comes to life insurance.

People often find that they are not adequately covered after having their policy over a number of years. It’s important to ensure your life insurance policy covers your needs for your current situation and circumstance.

Life Insurance Comparison take all the hard work out of searching around for a policy. Their simple use quote system allows them to search the whole of market and tailor a product to suit your individual needs each and every time. Get a second opinion by clicking the button below!

GET ADVICE NOW

Get professional help

save money life insurance

Starting a new year off with a ton of debt on your shoulders can be a scary and hard time for anybody. If you feel that your debt is getting in the way of your day to day life then you need to step up and speak to a debt adviser about your situation. Whether you need to reduce your outgoings, pay off outstanding debt or write off your debt.

All our advisers at IVA Debt UK are fully trained and solely focused on offering debt advice. We have over 70 years combined experience in the industry and will work with you to find the best solution for your individual circumstance.

GET ADVICE NOW

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