As the nation’s debt continues to be a catastrophe, masses are turning to financial advisers on a regular basis for Debt Consolidation Management guidance. It raises the question as to if we actually are doing all we can to lessen the strain not simply for ourselves but for the whole country.

We lead such active, chaotic lives that at times we become disorganised. It is extremely easy to let things slip when we don’t take the necessary time to organise our finances so that they work for us instead of against us.

As the amount of people entering into a Scottish Trust Deed or IVA is on the increase, perhaps we’re allowing life to stop us from living.

I consider myself a somewhat organised person but yet I have missed the occasional bill due date. In actual fact I had one the other day. We have a tendency to use a credit card for petrol and at the end of the month we pay it off in full. Now, I’ve been working hard of late, and have been distracted. I’ve also been awfully run down and have been picking up virus after virus.

At such times planning goes out the window. Hence as it happens I ended up paying the petrol bill a few days too late. Oh well I thought, I will just have to pay a little bit extra when I pay the next one, as little doubt there will be a late payment charge.

So, the new statement comes through the post and I was very taken aback to find I’d been charged

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