Business Credit Cards

Working in the City teaches you a thing or two. I know several of my contemporaries have built their businesses with business credit cards as their sole means of finance. Banks aren't too keen to lend in a traditional manner (ie. business bank loans) to new or high risk businesses, and securing a new business on your personal property such as a your home can be a bit worrisome.
Small business credit cards are an ideal way to raise the finance you need when expanding a small company. The rates are competitive when compared to bank loan rates, and they can even improve your businesses credit rating when used properly.

Free Financial Advice

Did you know that you can get financial advice for free? Thats right, you don't need the expensive services of a financial planner when you're re-working your finances. The Citizens Advice Bureau offer free financial advice through their volunteer network, so even here in the City of London it is possible to avoid those big bills. If you need advice about your loans and credit cards, or have problems meeting repayments, you can contact them and they will do their best to help you out.
The first thing to do is visit their website and download some factsheets, from there you can make an appointment to meet one of their staff at a branch near you.

Credit and Loan Agreements

Most people I know in London have massive amounts of debt. This isn't necessarily a bad thing, it is just a facet of modern living. If you want any kind of career these days you have to get an education, and they don't come cheap. So starting out with student loans and progressing quickly on to credit cards to pay for your studies leaves most people (those without rich parents) with a hefty bill to be paid off in adult life. I have been looking at re-structuring some of my debt to make it more cost effective, and was pleasantly surprised by the level of assistance offered by the UK government, especially their 'Money Made Clear' website.