Articles written by Gordon Hamilton in Personal Finance

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About me - Gordon Hamilton

Gordon Hamilton is the Food and Drink Channel Steward here on Helium but his professional background is within the UK Banking Sector. Between the years of 1988 and 2007, he worked for what was initially Halifax Building Society (Savings and Loan,) became

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Personal Finance > Financial Planning Paying your bills: Organization tips: 1 of 23
Paying your bills in an effective fashion is something which requires considerable organisation. It's happened to most of us at one time or another, that unexpected bill arriving in the mail, or maybe a bill that we were expecting has proven to be much more than we had anticipated, or indeed we have simply "forgotten" to pay... More..
Personal Finance > Managing Debt Debt payments dos and don'ts: 2 of 39
It is a cruel fact of life that accumulating debt is so easy yet paying it back can be so difficult. The full reality of this fact, however, is that it is not just the paying back of the debt that can cause us problems, it is very often the way in which we go about doing so that can compound those problems. In order to effec... More..
Personal Finance > Credit Cards When to pay cash and when to use a credit card: 3 of 56
The issue of when to pay cash and when to use a credit card is one which on occasion will be determined by circumstances outwith our control but more often than not we will have the option of using either. It is important, therefore, if we are to successfully to avoid such as debt problems further down the line, we know when... More..
Personal Finance > Banking Basics Guide to paying bills online: 1 of 17
Whenever we are looking at any guide to paying bills online, it is imperative that we ensure the guide takes full account of our security in the process of doing so. There are many risks inherent with paying bills online and if we do not take them in to account, we may very well be exposing ourselves to potential fraudulent ... More..
Personal Finance > Smart Spending Ways to save money at the supermarket: 5 of 66
There are an all but infinite variety of ways to save money at the supermarket. They include being aware of incentive schemes which the relevant supermarket may offer regular customers, to watching for special offers which may from time to time be available, to carefully disciplining that which is purchased during any and al... More..
Personal Finance > Managing Debt How to avoid credit card debt: 1 of 13
It is all too easy to say that the best way to avoid credit card debt is to simply not have a credit card and leave it at that. Unfortunately, in this complicated world in which we live today, there are a great many occasions upon which we find ourselves in need of a credit card. Whether we are booking a hotel room, making a... More..
Personal Finance > Credit Cards How to eliminate credit card debt: 6 of 60
It may seem somewhat obvious to say but when considering how to eliminate credit card debt, the first step we have to take is to stop using our credit cards. We may wish to stop short of actually cutting them up to remove any form of temptation altogether, with a view to beginning using them again in a more sensible fashion ... More..
Personal Finance > Credit Cards Protecting yourself from credit card fraud: 1 of 9
Protecting yourself from credit card fraud is very often a matter of common sense but there are several requirements which you should be aware of if you are to optimise the process. Fraudsters are becoming more and more sophisticated in their tactics every single day and the last thing which we therefore need to afford them ... More..
Personal Finance > Credit Cards The credit card trap: 3 of 26
The credit card trap is one of the easiest financial traps for anyone to fall in to in modern day society. The relevant ease with which credit cards are available, the wide variety of places in which they are accepted and the difficulty on occasion of monitoring how much we have actually spent on them can all contribute to t... More..
Personal Finance > Managing Debt Get out of debt: 7 of 60
Considering why we should want to get out of debt and how we may get out of debt is one of those few situations in life where we are likely to come up only with advantages and no disadvantages. However it may be that we accrued the debt in the first instance, to get out of debt as quickly as possible is always desirable. It ... More..