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Again, IVAs have helped more people in England and Wales than either bankruptcy or DROs (Debt Relief Orders).
In the final three months of last year - the fourth quarter - almost 11,000 people entered an IVA to help them deal with unmanageable debts.
It's easy to spend and spend over the Christmas week, determined to enjoy ourselves and worry about the cost later.
Well, it's now 'later'. It's exactly four weeks since millions of us started our Christmas holiday - and now the credit card bills are landing on the doormat, we're facing up to the aftermath of our festive spending.
When should we learn about personal finance? Doesn't it make sense to understand money before we grow up and have to make important decisions?
We're seeing more calls for financial education in school: teaching pupils about the ins and outs of personal finance, from budgeting and bills to debt and mortgages.
IVA Advisory Centre: start 2013 with a budget
If you're looking for a New Year's resolution that'll make a real difference, we have one word for you: budget. Different people need to approach to their finances in ...
Debt and retirement: over-55s focusing on debt repayment
Debt doesn't disappear at retirement - in fact, when incomes drop it can become much more difficult to deal with. One of the findings of the latest Aviva Real ...
How a meter reading could prevent debt problems
A cold snap has spread across the UK. So what do most people do in this situation? Turn on the heating. However, if you're on an estimated bill for ...