You can not get away from the fact that everything revolves around Money these days. With the global economy in a right mess most countries around the world are feeling the pinch. Times are hard for many families in the UK and the situation doesn't look like improving anytime soon. Many people have financial commitments which they are struggling to pay due to the cost of living increasing all the time. Paying late or not at all has a dramatic effect on ones ability to gain credit in the future. Hopefully my blog will provide valuable information on Debt Management, Saving money and ways to improve/retain a good credit rating.