If you're thinking of taking out a loan...

There are many different types of loan – some are better than others, while some are incredibly easy to start. If you are really struggling, then talk to a debt adviser. If a loan is essential, then think about what sort of loan you need. Payday loans are attractive because they are simple to start. However, they can be difficult to repay and also can affect your credit rating if you don’t repay it on time. Also beware borrowing from the ‘bloke in the pub’ – this can also get out of hand.


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A Butterfly Life: 4 Keys to More Happiness, Better Health and Letting Your True Self Shine

Times of change can be a challenge, no doubt! Whether it’s a relationship breakup, job loss, or being diagnosed with a serious health issue. Or you may WANT things to be different, but it feels a little scary or overwhelming. The butterfly reminds us change can be beautiful, even necessary, in order to realize our full potential and live our best life.