Secured Loans And Remortgages Solve Debt Problems
The present generation is much more spent thrift than people in the past.
People in the days of yore, and we are not speaking of centuries ago but in the days of our parents and grandparents, were content with much less than now.
Houses were simple and often had not even any floor coverings or at best the flooors were covered with linoleum with some rugs spread about frugally.
As there was no heating in the bedrooms, not even in Winter, people frequently felt cold in bed.
The only way of staying warm in bed was by a hot water bottle which was a container made of rubber and sometimes of stone that was filled with boiling water.When some one cuddled up to this water bottle for heat it send a painful burning feeling through whatever part of the body that it came in contact with.
There was no such thing as central heating for the working classes and a coal fire was the only source of heat and often also of preparing meals.
The fire did not throw out much heat unless you sat really close to it which resulted in red marks appearing on the legs which was a condition called lazy measles, as the marks looked like measles and the fact that some one had these marks suggested that they spent the best part of the day sitting lazily by the fire side.
Pleasures in those bye gone days were simple and consisted of reading novels, family sing songs on a Friday night and possibly a weekly visit to the local bar by the man of the house on his way home from work.
Women almost never accompanied their men folk to the pub and so called decent women then never went to a drinking establishment on their own or their reputation would be at stake.
These days things are very different and people spend vast sums of money on entertainment in expensive restaurants, wine bars, golf clubs, health clubs, etc.
Even weddings are costing more and more, with the average wedding costing in the region of 25,000.
People do not consider it a holiday unless it is an expensive one abroad.
Houses these days are much more comfortable and plush than houses in the past.
However it all comes at a cost, and with the good things in life mainly paid for by credit cards and loans, many people now find themselves struggling with too much debt.
Credit cards have interest rates at up to 40% with the best APR seldom less than 20%, and added to home improvement loan payments,it is no wonder that debt problems ensue.
There is help in the form of debt advice to find a solution to the problem of too many loans, etc. The best sort of debt advice is to arrange consolidation.
Debt consolidation is the paying off of all the debts into one low payment.
The best way of achieving this is by a remortgage or a secured loan if the debtor is a homeowner
Both remortgages and secured loans have low interest rates and using them as consolidation loans not only tidies up debt but saves a great deal of money in the process.
by: Liz Moir
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