New Year resolutions 2010 - Credit Cards, Loans and Personal Debt

• How will your personal finances suffer or benefit through 2010?
• Will you be able to manage after over spending during the Christmas period of 2009 / 2010?
• What if you suffer a change in circumstance that prevents you from working?

If you have over spent through Christmas and the New Year period you will accept that some cut backs need to be made.  Try some of the following;

1. Change where you buy your food, shop around for like for like quality at better prices!
2. Where do you fill up your car, is there anywhere a little less expensive locally to your home or work?
3. How often do you buy clothes or items that are not due for change, could you cut back?
4. How do you consider luxury items, are they a need or a want?
5. Can you earn a extra money from spare time or from your existing job?  Ask your boss!
6. Do you really understand how professional financial management can help you?

The only way to achieve a good state of financial management is to make a budget to live within each month and stick to it.  If you vary or stray away from the budget or financial statement you have prepared, things will become unmanageable.  Not only will you not have money for day to day living costs but you will not be able to deal with unexpected problems like car breakdowns, washing machine troubles, etc...

If you are not sure how to make a budget there is plenty of help available online and certain companies will actually help you to prepare these budgets.  There is little point in preparing a budget if you are not going to stick with it and most people that start one benefit from the effort they put in.

If you are struggling with personal debt and need help to prepare a debt management plan that will be managed for you and dealt with by us or jut need general debt help and advice,

please call free using 0800 018 6868, lines are open 24 hours.

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Debts help

Debts help in the UK from Lewis Alexander Financial Management.
Get help to clear debts without loans and further credit. When you need debts help it can be a very daunting task to speak with strangers about a personal problem, you must remember that these strangers are trained to understand your debt problems and can advise you accordingly.
Do not keep making applications fro credit if you have been refused, you must accept that obtaining help with your debts is the next stage. Not to borrow more money!

For debts help and debt advice UK contact our debt helpline 0800 018 6868 in total confidence, our lines are open and your call is FREE from a land line.

Debt Management "Minnow" Lewis Alexander Stands Strong After Avoiding Acquisitions

Lewis Alexander Limited, the specialist Debt Management, Debt Consolidation and IVA advice service has released information about the current standing of the company after its decline of offer/s made relating to the possible sale of the business over the last 3 years.

Manchester, England (PRWeb UK/PRWEB ) April 13, 2009 -- Debt Management specialists Lewis Alexander of Manchester England have confirmed that trading remained profitable for 2008 / 2009. Takeover talks and further bids were rejected over the last 2-3 years but the company remains in a position of financial strength regardless.

The company's main focus is on acquiring and retaining Debt Management clients. It does this through a free from a land line debt helpline, made available 24 hours a day, 7 days a week in the UK.
Most clients who approach Lewis Alexander are in need of advice and help regarding all different types of personal debt issues. Lewis Alxander is a UK registered trade mark and the company is recognised nationally both online and offline through direct response television advertising. An exceptional ability has been shown by Lewis Alexander when it comes to online SEO or Search Engine Optimisation. The company refused to Pay Per Click (PPC) in the past but market conditions are starting to allow for PPC as profit from uncostly SEO is up. The SEO success enjoyed has allowed Lewis Alexander to compete with the larger PLC competition without the same cost they encounter through paying per click. This in turn reduces the cost per client acquisition for Lewis Alexander over its competitors.

Whilst the company has made significant progress and growth over the last few years, it has done this much to the benefit of its existing client base by creating a compliant and honest environment where people can obtain the advice they need at the speed and time they require.
This can only be offered with the commitment of the clients that remain using the Lewis Alexander service. Most debt management companies boast a client retention rate of approx 5-6 months. Lewis Alexander is currently boasting client retention periods of 3-5 years, a massive difference which clearly states a difference in operational procedure.

The profitability of the company is down to a number of reasons. Firstly, the business model is based upon organic growth, so should an advertising campaign turn bad, it has been budgeted and paid for from cash at hand. Secondly, there are a board of keen directors involved that believe in development and investment in existing people and systems, that without, the company would not be where it is. Thirdly, the company shows a commitment to the clients long term financial recovery by not over stretching them and making initial repayments affordable. Their advisors are not commission based, they are paid regardless of the client taking the companies fee charging help. This ensures compliant advice on behalf of the company at all times.

The reputation of Lewis Alexander debt help UK is at stake every time it makes an offer of repayment to a creditor, on behalf of a third party/client. This is because if the third party/client does not commit and repay, the offers sent by Lewis Alexander appear disrupting to the creditors. This is important as the client selection by Lewis Alexander is as important as the clients own selection of the service they choose.

The outlook for the company is strong for 2009 / 2010. Trading will be slowed by market conditions in the first / second quarter and the obvious problem faced for most debt agencies is that people cannot consider repaying their unsecured debts until they are back in employment.

This will have significant setbacks to the industry as a main for the remainder of 2009.

Lewis Alexander faced offers and a potential opportunity to join a listed PLC company in its quest to increase market share of the Insolvency / Debt Management arena. The offer was declined by Lewis Alexander shareholders and thankfully due to current share prices at the time of this articles creation, the company stands strong as a master of its own destiny. The fact that the company is privately owned does allow for the extra care and consideration of the client management which is evidenced by the retention rates not just the ability to obtain new enquiries or acquisitions.

This is most important from an investment point of view as the company that attains a client quickly, makes a sale. However, the company that attains and retains clients makes the sale and builds an investable business with a strong foundation.

For further information about Lewis Alexander Limited please visit Lewis Alexander or call +44 (0) 161 872 3383 . See the original story at: http://uk.prweb.com/releases/2009-debt-management/4-company/prweb2319614.htm


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Doorstep loans - YES or NO

A doorstep loan or cash loan is usually the loan of last resort which carries a very high rate of interest. Most door to door loans have high interest rates due to the short nature of the loan.

If you find you are borrowing money from companies such as Provident, Shopacheck or Greenwoods, you may wish to contact us for debt advice UK about how to manage repayments.

Call our personal debt helpline today in confidence using 0800 018 6868.

Credit Card Debt

Are you suffering with credit card debt problems?

Most of the UK is swamped in credit card debt and peoples lives are becoming a misery. Not only do changes in circumstance affect us daily, people do not seem to have the savings that families enjoyed generations back.

Families are splitting up due to financial problems and this is very sad when the people involved have sound relationships, apart from the financial side.

If you think you are going to fall behind with credit card repayments, stop and get the help that is available today. The later you leave it to take debt advice UK or debt help the larger the credit card debt becomes.

Contact our debt helpline in confidence today using 0800 018 6868. Your call is FREE

Bad credit loans

Bad credit loans are very high interest baring and are hard to get away from. They are near impossible to pay off due to the period of time of the original loan and once the interest starts compounding you are less likely to be able to clear a bad credit loan.

For debt advice UK and debt help about bad credit loans please contact our personal debt helpline.