• Financial Advice

    • Specialist advice
    • No upfront fees
    • Immediate help, no appointment necessary

    Establish the key facts about your finances quickly and start to manage your debt. Spend what you can afford and don’t borrow to turn your finances around.

    CALL US ON 0800 954 6241 TO DISCOVER YOUR DEBT SOLUTION

  • Financial Advice

    One of the first steps anyone should take if debts are causing problems is to take stock of their current finances. That may seem a daunting task but it can take as little as five minutes with the right help. A monthly budget is crucial for any successful debt solution.

    ClearStart Financial Advice provides a simple monthly budgeting process that helps you establish key facts very quickly:Financial Advice by ClearStart

    • Your debts: how much you owe and to whom
    • What you own, your mortgage and any other secured borrowing
    • Your monthly income, after tax
    • What you spend each month on basic living costs

    Only when you have this information can you work out whether you can recover from debt yourself, or if a more sophisticated debt settlement programme is required such as a Debt Management Plan or an Individual Voluntary Arrangement (IVA).

    Financial advice from ClearStart

    Remember, you are not under any obligation to follow our suggestions, so ask us for help in any case – it’s always better to be armed with the facts.

    Call 0800 954 6241

    Calls from mobiles and other networks to 0800 numbers may incur a charge. When you speak to us, ask us to call you back so that you do not have to pay for the call. Or simply request a Call Back via the right hand side form.

    General Financial Advice

    Financial Advice

    ClearStart offer financial advice to the residents of UK suffering from debt problems. If you want to get out of debts and start a stress free life we are here to help you. Speak to our debt advisors for a quick financial advice today.

    A typical budget

    An example of one typical monthly budget check is shown below, with an explanation of what the figures mean for this individual.

    Unsecured debt Balance Monthly payments
    Credit card 1 £3,400 £170 minimum
    Credit card 2 £4,800 £240 minimum
    Credit card 3 £1,800 £90 minimum
    Bank overdraft £4,400 £100 interest and charges
    Personal loan £8,00 £100 repayment
    Total £22,400 £710
    Income source Monthly amount
    Primary salary £1,600 after tax
    Other income (e.g. benefits) £50
    Total £1,650
    Spending Monthly amount
    Rent £500
    Insurance £20 contents insurance
    Council tax £90
    Utilities / bills £80 gas, electricity, water
    Telephone / TV £70 landline, mobile, TV licence
    Health £20 contact lenses
    Household £300 supermarket bills
    Social / leisure £100
    Secured finance / HP £100 car loan
    Other £20
    Total £1,300

    Financial Advice – What it means

    This person earns £1,650 a month after tax. They spend £1,300 on everyday things such as rent, leisure and supermarket bills. Unfortunately, this leaves only £350 left to pay off their unsecured debts – which is less than the £710 they actually need.

    If the person carried on like this the situation would get worse, with the debt continuing to grow. Quick action is essential.

    In this example, a debt consolidation loan might pay off all debts in one go and result in one affordable monthly payment. Alternatively this person might be able to settle their debts by making payments each month for five years into an Individual Voluntary Arrangement (IVA). The right choice needs careful thought and experienced advice and you can run through your own monthly budget using the ClearStart online application or help line.

    Further reading
    Debt Help | Debt Advice | Financial Advice | Compare Debt Solutions | Store Card Debt | Credit Card Debt | Loan Debt | Remortgage Debt | Debt After Death | Late Payments | Budget Check

     
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