The views expressed in these blog posts are those of the author and not of James Rosa Associates Ltd. The publication of these posts should in no way be taken as an endorsement by James Rosa Associates Ltd.
By Mr Bankruptcy 30th March 2026 Negotiating with creditors can be daunting, but it’s also crucial tool in the process to regain control of a debt that’s becoming difficult to manage. Whether you are struggling with credit card bills, a business loan, or a combination of debts, effective negotiation can lead to a more manageable […]
Read moreBy Mr Bankruptcy 18th March 2026 Late or refused payments are an increasingly common challenge for UK businesses, placing unnecessary pressure on cash flow, operations, and long‑term sustainability. For small businesses and sole traders in particular, unpaid invoices are more than an administrative headache; they can make the difference between growth and closure. A widespread […]
Read moreBy Brittany Fisher of financiallywell.info 18th March 2016 College students in Northfleet, Gravesend, Dartford, and across Kent are walking into higher education with a heavy question hanging over every decision: how to get a degree without being stuck with years of repayments. The college debt burden isn’t just a number on a statement, it’s student loan […]
Read moreBy Mr Bankruptcy 3rd March 2026 Self-employed sole traders are grappling with growing financial and administrative pressures. Rising debt levels are coinciding with the government’s ongoing rollout of new Making Tax Digital (MTD) requirements, putting extra stress on Britain’s one-man and one-woman businesses. The challenges fall into two clear categories: worsening personal and business debt, […]
Read moreBy Mr Bankruptcy 18th February 2026 Britain’s small and medium sized business owners and managers are the lifeblood of the national economy. But in order to survive these difficult times, many have had to take on business debt which they are now struggling with; it can feel like a never-ending battle. Despite the fact that […]
Read moreBy Mr Bankruptcy 4th February 2026 Rising interest rates are a concern for anyone with debt in the UK, particularly if that debt is growing unmanageable. So, it was a relief to many when the Bank of England (BoE) cut its base rate by 0.25% to 3.75% just before Christmas. This was the signal many […]
Read moreBy Brittany Fisher of financiallywell.info 26th January 2026 Newlywed couples in Northfleet and across Kent often discover that early marriage finances bring a new kind of pressure: private worries become shared decisions. The core tension is simple and heavy, a debt burden in couples, uneven spending habits, and the uncertainty of combining personal finances can make […]
Read moreBy Mr Bankruptcy 8th January 2026 The narrative around debt for the past year has all been doom and gloom; a cost-of-living crisis, rising interest rates, job insecurity, all added to by the expectations of the Christmas season. For anyone facing an unmanageable debt problem, things seem dark. However, I’m going to lay aside my […]
Read moreBy Mr Bankruptcy 3rd December 2025 Debt can feel like an anchor, slowing down your financial progress and limiting your choices. Interest payments eat into your cashflow and savings when you could be doing more important things with that money. While planned, manageable debts are a normal part of life, larger debts such as mortgages, […]
Read moreBy Mr Bankruptcy 18th November 2025 Debt has a natural and necessary part to play in the development of any business, from starting up to finding new markets to becoming an established leader. However, debt can be either good or bad, so it’s important to know in the current challenging economic climate which kind your […]
Read more