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Recession Kicks In For Brits Struggling To Save More than 20 million Britons lack the funds to put money aside during the current economic downturn, AXA has claimed. AFB Calls For New Secured Loans Laws Following the publication of new white paper on the future of the future regulation of the secured loans industry, the Association of Finance Brokers (AFB) has called upon intermediaries to give their thoughts. Inflation Expectations Hit Series High Britains expectation of further inflation in the next 12 months was at a series high in August, new figures from the Bank of England and GfK NOP show. Car Premiums Driven Up By Uncovered Car Owners Law-abiding motorists throughout the UK are being hit with inflated car insurance premiums because of the growing number of motorists trying to get away with driving without insurance. Inflation Spike Preventing Interest Drop The Bank of England will be more able to reduce interest rates once the "spike" of inflation has passed, it has been claimed. Credit Crunch Still Affecting Personal Finances The effects of the credit crunch are still having an effect on people's personal finances and the country's economy has not yet returned to its normal state, it has been claimed. Counting The Cost Of The Summer Break Around 81 billion pounds is spent on holidays each year by British people, new research suggests. Consumers Move Away From Uncapped Tariffs With the latest round of energy hikes are released, people are rushing to get themselves themselves on fixed-price tariffs to dampen the effect of the savage cost rises, according to the Fair Investment Company. Consumers Warned Over Repossession Alternatives As fears grow over the ability to make mortgage payments, homeowners have been warned about opting for sell and rent back schemes. Consumers Intend To Spend Despite Crunch Despite growing uncertainty about the health of the economy, many British consumers have expressed their intentions to splashing the cash over the summer period as extensive sales get underway. Middle Britain Lifestyle Not Possible For Many Despite perceptions of belonging to the middle classes, many consumers fall way short of the amount of income necessary to truly belong in Middle Britain, Axa has suggested. Banks Are Too Slow To Raise Credit Interest Rates Despite recent competition in the credit interest rates offered by banks, far too many appear to be still offering incentives for customers that keep their accounts in credit, a new report has stated. Britons Spending Millions Replacing Lost Passports Britons may be wasting as much as 389 million pounds replacing lost or stolen passports while on holiday, financial services firm Halifax has suggested. Brits Planning Major Home Improvements Over a fifth (21 per cent) of homeowners plan to make major structural changes to their home over the next year, a new study from Sainsbury's Bank has indicated. Bank Maintains Rate At Five Per Cent The Bank of England's monetary policy committee (MPC) has announced its decision to hold the base rate of interest at an even five per cent. Consumers Worried Rising Costs Will Fuel Rising Inflation A new countrywide consumer poll carried out by Lloyds TSB has indicated that concerns about food, fuel and energy costs are driving expectations of high inflation in the year to come. New Study Shows Home Improvement Intentions Of DIY Loving Brits Programmes such as Changing Rooms, Grand Designs and 60 Minute Makeover are causing rising numbers of budding Handy Andys and Nick Knowleses to renovate their homes. Statistics Show Brits Resting On Unstable Savings Many UK consumers would face considerable financial difficulty if they were forced to turn to their savings for economic sustenance, it has been suggested. Consumers Advised That Credit Applications Must Be Truthful In a world where credit is increasingly difficult to come by, consumers have been urged to resist the temptation to include falsehoods in applications for cards or loans. Great Depression Affecting Mental Wellbeing Says Study New research from mental health charity Mind has suggested that concerns about debt are having a significant negative effect on people's personal wellbeing. ABTA Says Travel Insurance Costly But Essential The Association of British Travel Agents (ABTA) has said that while purchasing travel insurance may be viewed as an additional expense for those planning already expensive holidays, taking out adequate protection is an essential course of action for those booking a trip away. Study Says Debt Still Taboo Among Britons According to a report published by advisory service provider Saga, debt levels are one of the least commonly discussed areas of personal finance among Britons. Expert Says Credit Card Firms Can Only Lend So Much Commenting on recent research suggesting that 18,000 people are refused credit daily, a spokesperson for financial advice resource Fool has said that there are limits on the amount that banks can loan in a tightened economic environment. Rise Identified In Insolvency Figures The number of insolvencies applied for by British consumers is increasing, according to new figures. Young People Warned About Debt Risks Many young Brits are putting their financial futures at risk by trying to fund a fashionable lifestyle that is beyond the reach of their wallets, it has been claimed. Credit Card Debtors Warned Of Tough Times Ahead Consumers who have numerous debts on credit cards may find that their financial situation takes a turn for the worse in the coming months as lenders tighten the screws. Summer Hols Sacrosanct for Struggling Families Despite widespread concerns about the stability of the housing markets and widespread belt-tightening in the face of a gloomy financial environment, cash-strapped families are still reluctant to give up their summer holidays in order to save money. Debt Repayment Stays In The Family The tradition of children borrowing from parents to cover costs such as mortgage deposits and paying off loan debts is starting to see a role reversal, with many parents now turning to their grown-up kids for loans in order to ensure financial security. Mortgage Loan Approvals Fall By Half With widespread concerns over the stability of the housing market escalating in recent months, new statistics have shown that approval rates for mortgage loans fell by 50 per cent during March 2008. Report Shows Millions Of Brits Plunged Into Fuel Debt A newly-published study has shown that as many as 6.8 million Britons are indebted to their energy suppliers, with the recent price hikes enacted by all major providers likely to further exacerbate the financial strain of running a home. Study Says Britons Racking Up Debt To Maintain Social Standing Millions of Britons are putting themselves at risk of financial difficulty in an effort to maintain middle class spending habits, a moneysupermarket study has suggested. Purchasing A Home Revealed To Be Evermore Expensive Consumers are coming under more pressure in an attempt to get on to the housing ladder, a new study shows. Motorists Seen To Struggle With Climbing Car Insurance Costs It is a sensible idea for drivers to regularly review car insurance policies, it has been claimed. Research Reveals Fees On Fixed Rate Deals Are Rising People should be careful not to automatically select the first cheap mortgage deal that comes along as the cost of fixed-rate products rises, a new study reveals. Consumers Advised To Take Steps Against Energy Bill Rises Britons need to be wary of the impact that energy price rises can have on their finances, it has been stated. Second Base Rate Cut Of 2008 Takes Place The Bank of England's monetary policy committee (MPC) has announced that it is to cut the base rate of interest, it has been revealed. Rising Costs Shown To Have Impact On Football Families The expense of attending live games is impacting upon the finances of football-loving families, a new study shows. Calling In Professionals Recommended For Budding Home Improvers Those looking to make improvements to their home should exercise a degree of caution, it has been claimed. Homeowners Indicated As Wanting To Fix Mortgage Costs An increasing number of homeowners appear to be looking towards reducing pressure on their finances, new research shows. Middle Class Britons Revealed To Be Under Financial Strain Despite earning more money than the national average those with high incomes are developing financial difficulties, new research shows. Rising Number Of Consumers Shown To Be Financially Active More Britons are expecting to be financially active over the coming months, a new study shows. Debt Consolidation Loans Described As A Welcome Lifeline Taking out a debt consolidation loan can be helpful for those consumers who are struggling with numerous constraints on their finances, one industry expert has stated. UK Cash Habits Revealed Cash transactions now account for only 29 per cent of all spending that takes place around the UK, according to a new report assessing the way the nation pays. Major Savings Could Be Made On Motoring Costs Telling mistruths in an attempt to reduce car insurance costs could actually exacerbate financial problems for motorists, it has been suggested. Young Brits Look To Achieve Major Life Goals Before 30 Young people have numerous life targets they wish to meet, new figures reveal. Consumers Revealed To Be Struggling With Money Britons are experiencing financial difficulties, one industry commentator has asserted. About Half Of Britons Revealed To Be Worried About Money People are becoming increasingly worried about their finances, new research shows. Financial Planning Is 'Essential' More than half of women could be placing themselves under unnecessary monetary pressures, new research shows. Good Credit Score 'Is Important' When Borrowing Money Those looking to take out a loan or any other form of borrowing need to ensure they have a favourable credit rating, it has been claimed. People 'Believe Inflation Outstrips Government Figures' Britons are increasingly struggling with inflationary pressures, new research shows. Consumers 'Should Mindful Of Thieves During Easter Break' Unwary homeowners could find themselves coming under financial pressure this bank holiday weekend, it has been suggested. Prepay Energy Customers Left With 'Hefty Price To Pay' Those Britons who are paying for their energy through a prepayment scheme are losing out on millions of pounds, according to findings by a price comparison website. CML Reveals Drop In Mortgage Lending Mortgage lending has fallen, new research shows. More Time Being Spent Servicing Debts People are taking an increasing amount of time to service their debts, it has been revealed. Consumers 'Have Financial Concerns' A significant number of Britons are worried about the country's economic prospects, new research shows. Financial Decisions 'Split Between Parents' Men and women tend to have a fairly equal say in how money is spent within the family home, a new study indicates. Wedding Proposers 'Should Consider Insurance' A lack of insurance could leave many loved-up Britons under financial strain, a new study indicates. Drivers 'Should Look To Cut Insurance Costs' Motorists should take steps to reduce unnecessary pressure on their finances, it has been claimed. Seeking Help 'Can Assist People To Manage Debts' A significant number of consumers struggling with their finances are not getting debt help, a new study shows. Borrowers Could Be In For 'Nasty Shock' Those consumers who are taking steps to reduce pressure on their finances could actually find such moves do more damage to their pockets, it has been suggested. Care Costs 'Are Big Financial Burdens' For Brits The expense of keeping an elderly relative in care is on track to rise dramatically, according to recently-released figures. Those Concerned About Secured Loan Payments 'Should Seek Advice' People worried about meeting secured loan or mortgage repayments should seek help. 'Important' For People To Be Financially Savvy While Valentine's Day is often a time for flowers, chocolate and all other things romantic, consumers should be cautious of the financial pressures they may come under should a relationship turn sour. Parents 'Cutting Back On Family Spending' Families are beginning to feel the impact of a slowdown in the economy with a new survey finding that parents are cutting back on the amount they spend on their children. Personal Loans 'Competitive Way Of Buying A New Car' Opting for showroom finance deals ahead of a cheap UK loan may see Britons lose out when buying a car, new research indicates. Good Financial Management 'Can Help Control Debts' Although the past few days have seen the country gripped in the throngs of love, the majority of Britons would prefer their partner to be careful with managing money, a new study indicates. Address debts 'to prepare for the future' Brits are being urged to prepare for the future at a time when many economists are predicting a rough ride for the UK and global economy this year following last year's US subprime mortgage crisis and the ensuing liquidity shortages. Britons Taking Out 'Secret' Personal Loans More than one million Britons have taken out a personal loan without the knowledge of their partners or family members, new research shows. Homeowners Have 'Fallen For' Open Plan Living Millions of Britons are looking to create open-plan living within their homes, according to new figures. Credit Report 'Can Help With Getting Loans And Managing Finances' Thousands of Britons are to looking to borrow money in an attempt to supplement their spending in the first few weeks of the new year, it has been suggested. Damage To Property Can Be 'Costly Inconvenience' Turbulent weather may not only damage consumers' homes but also impair their finances, new figures indicate. People 'Need Proactive Approach' To Financial Future Millions of Britons could find themselves coming under financial pressure in later life, new research indicates. Young Brits 'Face Serious Financial Pressures' Young people feel that they are under intense financial strain, a new study shows. Borrowers 'Need To Shop Around' For Personal Loans Although personal loans can prove to be a very useful source of financial help, prospective borrowers need to select such a product with caution. Brits 'Warned About Missing Bill Payments' Millions of Britons are under financial pressure, new research indicates. Home Loan Borrowing Falls Home loan levels have fallen, new research shows. Debt Consolidation Loans Are 'Effective' Applying for a debt consolidation loan can be a useful means for people to get their finances back on track, an industry expert has suggested. People Worried About Debt 'Should Not Panic' The first two months of the new year may see an increase in the number of those seeking help with their finances, an industry expert claims. Spending Concerns 'Are High' Many consumers are putting themselves under unnecessary financial strain this winter, new research shows. Those Struggling With Debt 'Reveal Tell Tale Signs' Problems in managing money can often contribute towards many people performing poorly in the workplace, it has been suggested. Talking About Money Has 'Many Benefits' Many Britons are unwilling to talk about their finances, new figures show. More Brits Have Financial 'Awareness' Young professionals are becoming more conscious of the need to be sensible with their finances, an industry expert has suggested. Homeowners 'Need To Protect Home Against The Cold' With the winter season beginning to set in, homeowners need to take sufficient steps to protect their property against the inclement conditions, it has been claimed. Mortgage Holders 'Face Rise In Financial Pressures' Moves by the Bank of England's monetary policy committee (MPC) to increase the base rate of interest over the course of the summer led to a fall in lending for property purchase in September, new research indicates. Fall Noted In Exeter Bankruptcy Levels Those living in Exeter could be managing their money more effectively, new figures have revealed. Warwickshire Residents 'Advised To Avoid Loan Sharks' Those consumers living in Warwickshire who are in the midst of financial difficulties are being urged to avoid borrowing from one unscrupulous loan lender, it has emerged. Rise Recorded In Home And Motor Insurance Costs Homeowners and motorists alike may be due to come under more difficulty in handling their money, it has been suggested. Women Are 'More Discerning' Wifh Finances Women are taking a greater interest in their finances, it has been suggested. People Struggling With Debts 'Need To Be Proactive' Consumers need to adopt a more hands-on approach to managing their money, it has been suggested. Welsh Children 'On Track For Education In Money Management' Schoolchildren in Wales are set to receive guidance on handling their finances from next year, it has been revealed. Britons Set To Face 'Squeeze In Disposable Income Levels' Millions of households are coming under increased financial pressure, one member of the Conservative party has suggested. Bank OF England Chooses To Maintain Base Rate The Bank of England has left the base rate of interest unchanged, it has emerged. Older People 'Facing Increased Debt Difficulties' An increasing number of older people are struggling with their finances, new figures reveal. Growth In Borrowing Noted The country has witnessed a surge in the level of consumer debts over recent years, an industry expert has stated. Car Insurance Costs 'May Rise' Motorists could be set to see the financial pressures that having a vehicle entails increasing over the coming months, it has been suggested. Regular Assessment Of Finances 'Can Help Consumers Manage Debts' Companies need to do more to help their employees manage their money, it has been suggested. Homeowners May See Finances 'Stretched' Further Homeowners could be finding themselves under increased financial pressure, it has been suggested. Millions Of People 'Should Look To Debt Consolidation Loans' Millions of people across the UK are currently concerned about the level of their debts, prompting many to investigate debt consolidation loans, one price comparison site has asserted. IVAs 'Not Best Option' For Those In Debt Britons are showing a lack of awareness when it comes to methods of managing their debts, a new study has shown. Garden Improvements Add Privacy And Value Taking out a cheap loan to pay for some improvements to a garden could enable potential house sellers to raise the value of their home, with the aesthetic pleasure, privacy and protection offered by a well-developed garden often an enticing proposition for those looking to buy a property.
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