Are you wondering what your consumer rights are?  You find yourself in a situation where you have too much debt and you are constantly getting calls from debt collectors demanding…

Consumers who enter debt review receive a monthly statement from their Payment Distribution Agency (PDA). This statement outlines how their one monthly debt repayment has been split up among their credit providers. …

Did Cupid Shoot Your Arrow Straight Into Debt? Let's talk about love & debt, Cupid is up against a mighty opponent this Month of Love: DEBT. Participants in the National…

Feeling the post-December pinch? January is the time of the year when people take a moment to step in front of the mirror and make bold declarations of lifestyle changes and…

Avoid holiday debt this year.  Nothing will ruin Christmas and holiday memories faster than a debt hangover in January. With Christmas a few weeks away, now’s a perfect time to make…

As children, we were scared of monsters under our beds and the boogie man in the shadows, we were not scared of debt. As adults, our fears change to fears…

Assisting friends and family with debt can be one of the hardest things.  Many of us have been there, a friend or family member comes to you for help with…

How does it feel to be in a personal financial crisis?  "You know me... I am in your friendship circle hidden in plain sight. My clothes are still impeccable --…

Think back seven or eight months, to your last Christmas shop. Do you remember how stressful and expensive it was? We all know that feeling: our friends and family deserve the world, but once all the decorations and wrapping paper have drained our funds, all we can afford for them is a Toblerone.

The secret to having a relaxed, budget-friendly Christmas – and wowing your loved ones – is to start early. I adore Christmas (and shopping) and prefer giving presents to receiving them. I know it seems early to start thinking about Christmas, but it’s the wise thing to do.

By following what I do, maybe you can take some of the stress and cost out of your Christmas shopping.  I’ve already bought loads of my Christmas presents. For the last few years, I’ve not had to buy a single thing in December. I am done and can relax (which means sitting about eating and drinking) in the weeks running up to the big day.

We thought it was time to share the 'Truth About Debt Counselling" - At Debt Free with Armani we assist people every day who have excessive amounts of debt; we…