Help & advice every step of the way
At Baines & Ernst, helping people get out of debt is what we do best, but we’re also here to offer advice that can help people to transform their finances for good.
We’ve put together this help and advice section that’s packed full of financial information. So, whether you’re looking for money saving tips, guidance on how to get out of debt or want information on dealing with finances as a single parent – you’ll find it here!
Free debt guides
For guides on debt solutions or to find out how to deal with specific financial situation like redundancy, maternity leave or wedding debts, you’ll find some really useful information here. Read more…
Money saving tips
Find new ways to reduce spending, cut household bills and manage your finances in this section. Our income and expenditure form is free to download and will help you to identify where your money is going every month. Read more…
Dealing with debt
There are many aspects of dealing with debt which can be daunting. Here you’ll find information on how to deal with bailiffs and debt collection agencies and what to do when lenders are harassing you. Read more…
Personal finance questions
We get asked many questions every day, so we’ve put together the most popular questions and answered them in this section. So for information on dealing with council tax arrears to what happens to your debts on long term sick leave, you’ll find the answers here. Read more…
Write off & clear your debts
From writing off debt and managing repayments to clearing credit cards and dealing with payday loans, you’ll find the information you need here. Read more…
Know your consumer rights
Do you know what your consumer rights are when it comes to debt or whether you could go to prison over unpaid debts? Read more…
Infographics
Ever wanted to know who spends more money – men or women? Or how much it would cost to own a pet over its life time? We’ve created some really interesting Infographics on a huge range of financial matters – including the rising cost of fish and chips! Read more…
