Finance | James Rosa Associates

How do high interest rates affect businesses?

By Mr Bankruptcy 23rd May 2023 With the Bank of England announcing that interest rates are rising again, to 4.5%, businesses must be cautious of the potential impact on them. Historical interest rates and what they meant The 0.25% increase in the base rate that was announced by the Bank of England on the 11th […]

Teach Your Kids Great Money Habits from an Early Age

By Brittany Fisher of financiallywell.info 11th May 2023 Image via Pexels Raising financially literate kids is an important part of parenting. Children need to understand how money works and how to manage it responsibly to be successful adults. Below, James Rosa Associates outlines some best practices for helping your kids learn more about money management with […]

Five common ways to get your life back after falling into unmanageable debt

By Mr Bankruptcy 3rd May 2023 If you are in debt, there’s a number of ways that may be available to you to help you manage them and to resolve any dispute you are in with creditors. What debt management solutions are available to you? The following are some of the most common solutions used […]

Seven ways business owners can reduce costs to help prevent debts

By Mr Bankruptcy 3rd April 2023 It seems a day doesn’t go by without being reminded how financially tough it is for businesses of any size. Many owners will be feeling financial pressure for the foreseeable future, so here are some ways you can reduce your business costs to help prevent getting into debt or […]

How to use your credit card and credit wisely

By Mr Bankruptcy 22nd March 2023 Credit cards can be a debt burden for many people but, when used wisely, they can be a useful borrowing resource without your debt growing out of control. These top tips will help you to use your credit card well while keeping control of the money you spend on […]

6 Essential Reports Your Business Needs

By Brittany Fisher of financiallywell.info 15th March 2023 The most successful small businesses all have one thing in common — a wealth of data that drives daily decisions. Every day, you must consider how much inventory to buy, where to expand your business, and how much to invest in marketing. You can make more informed decisions […]

Pros and Cons of Debt Consolidation

By Mr Bankruptcy 6th March 2023 According to The Money Charity, the people of the UK owed just over £1,831 Billion at the end of November 2022, which, on average, is £1,394 per adult extra from the previous year. With both debt levels and the cost of living increasing, many people are having to look […]

What are the tax implications of restructuring your business debt?

By Mr Bankruptcy 21st February 2023 Tax may not always be the first thing on your mind when you’re trying to manage a business debt. But restructuring business debts does have tax implications that you need to be aware of, in order to ensure that you are making the right choices. Unexpected tax liabilities can […]

Create A Budget That Works for You

By Mr Bankruptcy 1st February 2023 Having a budget always makes good financial sense, but when times are financially challenging a budget can have an added impact in helping you to identify, acknowledge and start tackling your financial problems. Now, more than ever, people are looking for ways to make the money they have go […]

Financial trends and challenges coming up in 2023

By Mr Bankruptcy 17th January 2023 Without doubt 2022 was one of the most financially challenges years that many businesses and individuals have experienced. Unfortunately, the predictions for 2023 don’t paint a much brighter picture. Here’s what some of the experts are saying. The 2023 outlook for businesses A report by JP Morgan claims that […]