#MoneyHelp

[sabkaloan]

Sabka Loan Short Term Loans

Flexible short term loan options to meet your urgent needs—apply online now!

[collamusica]

Hi!

Post for my friend Tiffany Montgomery

She is needing monies for rent, electric, wifi.

She is also needing food for the kiddoes!!!

Cash app:

$cicinovatay

Venmo:

@cicinovatay-mommy3

Meal train

https://mealtrain.com/e3z0z2 if you could PLEASE send food. She has children to feed and one pet.

Please send her food as a gift from intacart and food delivery or deliver food boxes

[sassaloanssa]

Need cash in a hurry? With Instant Cash Loans from SASSA, help is just a few clicks away! Whether it's an emergency, a surprise bill, or just getting through the month, our quick and hassle-free loan process has you covered.

#SASSALoans #InstantCash #QuickLoans #SASSABeneficiaries #CashNow #EasyLoans #OnlineLoans #LoanApproval #EmergencyCash #NoCreditCheck #SouthAfricaLoans #FastCash #MoneyHelp #FinancialRelief

[faryalkhanblog]

Bankruptcy in the UK: A Comprehensive Guide for Individuals

Declaring bankruptcy is a significant financial decision that can provide relief for those overwhelmed by debt. In the UK, bankruptcy offers a structured way to address unmanageable financial obligations while giving individuals the opportunity to start fresh. This comprehensive guide will walk you through the process, eligibility criteria, implications, and key considerations for declaring bankruptcy in the UK.

What is Bankruptcy?

Bankruptcy is a legal process initiated when an individual cannot repay their debts. It provides protection from creditors and involves the sale of assets to pay off as much debt as possible. Remaining debts are usually written off, offering the individual a clean financial slate. The process is regulated by the Insolvency Act 1986 and overseen by the Insolvency Service.

Who Can Apply for Bankruptcy?

Anyone residing in England, Wales, or Northern Ireland can apply for bankruptcy if they meet the following conditions:

Inability to Pay Debts: You must be unable to repay your debts as they fall due.

Debt Threshold: There is no minimum debt requirement for Bankruptcy ; however, alternative options like a Debt Relief Order (DRO) may be more suitable for smaller debts.

Age Requirement: You must be at least 18 years old to apply.

Note: In Scotland, the process is called Sequestration and follows different rules.

How to Apply for Bankruptcy in the UK

Declaring Bankruptcy involves several steps. Here’s a breakdown:

Seek Financial Advice: Before proceeding, consult a debt advisor or insolvency practitioner. Free advice is available from organisations like StepChange, Citizens Advice, or the MoneyHelper service.

Complete the Application: Applications are submitted online via the Insolvency Service’s website. The form will require detailed financial information, including:

List of assets(e.g., property, vehicles, savings)

Total debts and creditors

Monthly income and expenses

Pay the Fee: Bankruptcy application fees total £680, which can be paid in instalments.

Await Adjudication: Once submitted, the application is reviewed by an adjudicator. If approved, you will receive a Bankruptcy Order.

What Happens After Declaring Bankruptcy?

Once a Bankruptcy Order is issued:

Official Receiver Appointment: An Official Receiver is appointed to manage your Bankruptcy . They assess your financial situation and oversee the sale of assets.

Asset Liquidation: Non-essential assets may be sold to repay creditors. Essential items like basic furniture and tools of your trade are typically exempt.

Income Payments: If you have disposable income, you may be required to make payments for up to three years under an Income Payment Agreement (IPA).

Debt Discharge: Most debts are written off after 12 months, although some debts like student loans, court fines, and child support are excluded.

Advantages of Bankruptcy

Debt Relief: Most debts are cleared, allowing you to rebuild financially.

Creditor Protection: Creditors can no longer contact or harass you for payments.

Fresh Start: Bankruptcy provides an opportunity to reset your finances.

Disadvantages of Bankruptcy

Asset Loss: Non-essential assets may be sold to repay debts.

Credit Impact: Bankruptcy stays on your credit file for six years, affecting your ability to borrow.

Public Record: Bankruptcy is listed on the Individual Insolvency Register, which is publicly accessible.

Employment Restrictions: Certain professions may restrict individuals who are bankrupt.

Alternatives to Bankruptcy

Before deciding on bankruptcy, consider these alternatives:

Individual Voluntary Arrangement (IVA)

A legally binding agreement to repay creditors over time.

Debt Relief Order (DRO): Suitable for those with minimal assets and debts under £30,000.

Debt Management Plan (DMP): An informal arrangement to repay debts at an affordable rate.

Consolidation Loans: Combine multiple debts into one manageable payment.

FAQs About Bankruptcy in the UK

Q: Can I keep my home if I declare bankruptcy? A: It depends. If there is equity in your home, it may be sold to repay debts. However, the Official Receiver may delay this action to accommodate dependents.

Q: Will my employer know about my bankruptcy? A: Generally, no. However, certain professions require disclosure.

Q: Can I travel abroad after declaring bankruptcy? A: You can travel, but you may need permission from the Official Receiver.

Rebuilding Your Financial Future

Bankruptcy is not the end — it’s a new beginning. After discharge, focus on rebuilding your credit score, budgeting effectively, and seeking professional advice to avoid future financial pitfalls. For personalised assistance, our team of experts is here to guide you through the process. Contact us today for a free consultation and take the first step toward financial freedom.

Need Help? Our private company specialises in UK debt solutions, including bankruptcy support. Reach out to us to learn more about how we can assist you in navigating your financial challenges.

[melitaafterfeather]

Getting a mortgage if you're ill or disabled | MoneyHelper

[thefinancehouse]

What to do if you’re dealing with debt

Dealing with debt can be difficult!

If you dealing with debt, or have a family member who is, it can be the loneliest place to be and no matter how resilient you are, eventually it will wear you down. However, there are strategies you can adopt to alleviate the situation and get yourself back on track. - Talk to someone. Acknowledging the burden and seeking help is the first step towards breaking out of the frightening spiral. A professional debt adviser can help you discover your options. There are a number of different organisations such as Citizens Advice Service (www.citizensadvice.org.uk) and the National Debtline (www.nationaldebtline.org) who can offer immediate support with advice. - Make a list of your debts. Open any correspondence that you have been ignoring and tally up everything you owe. Decide, with help from the organisations above, which debts are most pressing and prioritise them. - Be proactive. Get in touch with those companies to whom you owe money. Not only will it help you feel more in control, but it gives you a chance to seek an agreed payment plan to pay a set amount per month that you can afford and start reducing your debt. - See what you’re entitled to. If your income has been reduced because of the loss of your job for example, there may be benefits that you are entitled to claim that could help your situation. Organisations such as Moneyhelper (www.moneyhelper.org.uk/en/benefits), provided by HM Government, can show you what you can get and how to apply. - Debt Respite Scheme (Breathing Space) – You can get temporary respite in England & Wales from creditors for up to 60 days by applying via a debt adviser. They cannot add interest or charges to your debt, or contact you, and no enforcement action can be taken against you during the ‘breathing space’. Find out more about it here –https://www.gov.uk/options-for-dealing-with-your-debts/breathing-space If you’re struggling dealing with debt, don’t suffer in silence. There are organisations out there specifically to help you, and if you need assistance, we can help to point you in their direction – just let us know. Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it. Please be aware that by clicking on to any of the above links you are leaving our website. Please note that neither we nor HL Partnership Limited are responsible for the accuracy of the information contained within the linked site(s) accessible from this page. All the information in this article is correct as of the publish date 27th June 2024. The opinions expressed in this publication are those of the authors. The information provided in this article, including text, graphics and images does not, and is not intended to, substitute advice; instead, all information, content, and materials available in this article are for general informational purposes only. Information in this article may not constitute the most up-to-date legal or other information. Read the full article

[healthandwealthonline]

What is Temu and is it legit? - Times Money Mentor - The Times

Helping you make the most out of your moneyHelping you make the most out of your moneyUpdated March 22, 2024Temu has taken the UK by storm since the Chinese shopping giant hit our shores last year. The online marketplace offers an array of extremely cheap goods, from sunglasses to blenders and kids’ toys. But with deals that often look too good to be true, is Temu legit?You might have seen Temu’s…

[passiveincomemoney]

Simplify Your Financial Life: Discover the Top 7 Online Budgeting Tools

Managing a personal budget can be a daunting task, but with the right tools, it can become a manageable and even enjoyable process. Here are seven online tools that can help you take control of your finances:

MoneyHelper's Budget Planner: This free online tool helps you track where every pound is being spent, offering a breakdown of your finances by category and personalized tips to improve your financial health.

YNAB (You Need A Budget): Ideal for setting goals, YNAB offers a forward-looking approach to budgeting, helping you plan for the month ahead with a 34-day free trial before a subscription fee applies.

Empower Personal Dashboard™: If tracking your net worth is your priority, Empower offers an intuitive dashboard to monitor your financial growth, and it's free to use.

Goodbudget: Based on the envelope budgeting principle, Goodbudget allows you to allocate funds to different spending categories, with a free version available and a Plus version for a monthly fee.

PocketGuard: For those who want to track their spending closely, PocketGuard provides insights into where your money goes, offering both free and paid versions.

Stash: Stash is not just a budgeting tool; it also offers automated investing options, making it a great choice for those looking to grow their savings with a monthly subscription.

Honeydue: Perfect for couples who want to manage their budget together, Honeydue offers shared budgeting features and is free to use.

Each of these tools offers unique features that cater to different budgeting needs, whether you're looking to track your spending, save for the future, or manage finances with a partner. By leveraging these online resources, you can create a personalized budgeting system that works for you, helping you achieve your financial goals and gain peace of mind. Explore these options and find the one that best fits your personal finance management style.

[honeygrunge]

Honestly I just need help with money right now😓 anything would help. If you can pls message me for my paypal I'm sorry to be asking but with the pandemic I dont have any income

[healthandwealthonline]

British passport application cost and renewal price - Times Money Mentor - The Times

Helping you make the most out of your moneyHelping you make the most out of your money |Chief writerUpdated March 28, 2024Heading abroad? It’s crucial that you ensure your UK passport is still in date. We explain how to renew your passport online or by post, how long it will take and how much you’ll need to pay.Currently, you can expect a UK passport renewal to take up to three weeks, according…

[intense-juxtaposition]

Hi! I’m selling shoes on depop for extra pocket money! Money is tight right now, so if you’re interested in buying you can message me here or buy them on depop! Thanks in advance!

[halpsstuff]

Please help

I have no money to my name, no job to pay bills or make rent, medical bills from three months ago. Im offering writing commissions to help pay the bills. For 1,000- 1,500 words it's $10, 1,500-2,000 $15, 2,000-2,500 $20 so on. If you can't commission me please reblog.

PayPal: paypal.me/AlueMoon

Venmo: aluemoon

[feralgator]

Emergency Commissions OPEN - Bulk Sales Added by FeralGator

I am in a desperate need of financial stability right now. I'm offering up a bulk deal right now. 5 full body drawings for $100 - 2 slots available 5 headshots for $50 - 2 slots available If you wish to simply donate anything, you can do so using this link: www.paypal.me/SSchuler I've not got a lot of money again due to hour cuts at work and overall back to back health issues over the past month. So my commissions are open and I'm ready to take on whatever it is y'all have to throw at me! 

[sweetemilybowl]

I’m selling this beautiful violin! If interested, please check out the link in my bio! https://www.ebay.com/itm/165893534826 #violin #forsalebyowner #crowdfunding #ebayseller #ebay #freeshipping #moneyhelp #handcraftedviolin #musicislife (at Fairhaven, Massachusetts) https://www.instagram.com/p/Cnkb6juvTOn/?igshid=NGJjMDIxMWI=

[katie-louise-webber-blog]

💷 let’s talk MONEY 💷

I’m so bad with money, I’ve managed to spend over £400 in a week, I’m absolutely devastated, full of shame and disappointed. It wasn’t even technically my money and I’ve got NOTHING to show for it. It happens near enough every month, when I’m feeling down, in pain or sad I spend, the feeling of buying something is unreal whether it’s dog food or something more expensive, I get a thrill. Poundland, b&m bargains, home bargains, hobby craft and Tesco’s are my weaknesses, I can’t help but buy things. Especially in Poundland and the bargain shops.. I think “oh it’s only cheap, throw it in” but every single penny adds up and I end up here. I feel like I’ve not only let myself down, but my boyfriend too.

Does anyone have any money tips?

Saving?

Making?

Spending?

ANYTHING!

[loveomhh]

#givingtuesday... Why is today my favorite day. It is the official day to make a monetary contribution to your favorite non-profit organization. I have two favorites- The Brownstoners of Bedford- Stuyvesant and the Atlantic Avenue Local Development. Who are they and why it's an excellent idea to give to each of their non-profit organizations today? The Brownstoners of Bedford-Stuyvesant, Inc. was organized in 1978 by a small group of friends and neighbors who wanted to contribute to their great community. The goal of helping to revitalize the community through building a strong homeownership based was only the beginning. Our major service projects have consistently focused on education, economic development, housing, and community activism. The Brownstoners is a “hands-on” organization that maximizes its resources through the wealth of skills that our members freely share. Our tradition of “taking it to the streets” is a strategy that has reached every corner of this community through initiatives such as our tax lien outreach project and voter registration drives. We have entered the twenty-first century with the voices of those community leaders who kept Bedford-Stuyvesant alive still ringing in our ears. We intended to keep the fire under their legacy. The AALDC is a not-for-profit organization committed to the economic development, cultural enrichment and historical preservation of the Atlantic Avenue area from Fourth Avenue to the waterfront in Brooklyn, New York. 494 Atlantic Avenue, Brooklyn, NY 11217. I am asking that you give today, give generously today. Every cent and every dollar is appreciated. Your monetary contributions help each non profit to continue to be an advocate for education, economic development, housing, and community activism in their beloved neighborhoods. Click the link in bio to donate or go directly to our website: http://brownstonersofbedstuy.org/ and https://atlanticave.org/ #givingtuesday #giveback #supportlocal #supportcommunity #supportnonprofits #donate #contribute #moneyhelp #thankyou #yoursupportmatters @bedstuyhousetour @atlanticaveldc @_omhhredroom https://www.instagram.com/p/CW6FLl5JuMH/?utm_medium=tumblr