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How to get onto DAS
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The Debt Arrangement Scheme (DAS) is only open to Scottish residents, as it was set up by the Scottish Government to help people there out of debt.
Under the Debt Arrangement Scheme, you’d enter into a Debt Payment Plan (DPP), which will lower your monthly payments and freeze the interest and charges on your debt.
This Scheme helps many people in Scotland afford their monthly debt repayments. To get onto DAS you’ll need to meet certain criteria, so if you want to find out more about this way...
Considering Getting a New Automobile? Read this Guide
Sick of the hassle in line for you when purchasing a new motorcar? Have you ever spent hours picking out your perfect four-wheeler, wishing you could walk into the salesroom, buy it and drive it out? Regrettably, it’s a day dream for most of us because we aren’t rich. You do have alternatives mind you. Because you can get the...Is Location Still Important?
In this BBC video report, Rory Cellan Jones asks Joichi Ito and Elizabeth Varley if they think the geographical location of new technology companies is still important. Laptops, tablets, smartphones and teleconferencing mean staff can work for their multi-national from practically any location. And cloud computing – storing information on...
Everyday Spending
Every day, you will spend money on a variety of things. From your morning coffee, to the payment on a credit card bill. Although every day spending doesn’t sound like something worth focusing on, it can make the difference between sticking to your budget, and sinking into debt. If you want to practice smart money management, consider the...
Getting a Raise
Are you getting the money you feel you deserve at your job? If not, know that you are not alone. With the economy the way it is now, many workers find that are not getting adequate increases when that time comes. Do be afraid to speak up as long as you remain cordial and discuss it in a professional manner. You could give your boss a number...
Asking those Difficult Questions
Nobody wants to think about how their parents will age and if they will be self-sufficient. For this reason, we are not prepared to take care of issues when something happens. It only makes sense then to discuss with your parent these issues while they are independent and well. During the holiday season is when most families find themselves...
Financial Advice for New Parents
New parents can do themselves a great favor by creating a budget. There are many new purchases that will be made in the months before the birth and a budget will allow for that type of planning and saving. Maybe child care will be part of your life if you both will continue to work or if one parent stays home then you will need to adjust to just...