Product Description

There are many reasons why we get into debt, sometimes it just creeps up on us and other times you just take on too much! One of the main reasons most people are in debt today is due to the rise in the housing market and the fact that it is so easy to obtain credit. Take credit cards for instance, they lead you into a false sense of security whereby they offer you a 0% interest rate over a period of three, six and sometimes even twelve months, then when the 0% interest period is finished they hit you with the standard credit card rate, which can be anywhere between 10 – 20%