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However, before embarking on supplementary employment it is always best to consult your contract and have a word with your boss, to make sure that you are not breaking your current terms of employment. Also, remember your tax liability and if you are being paid gross, be sure to put aside enough cash to pay any extra income tax and national insurance payments that you will incur.
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Of course, increasing income is only one half of most debt solutions; reducing your debt liability must go hand-in hand with that. There are many ways of overcoming debt; if you can afford it then a debt consolidation loan [link widoczny dla zalogowanych] would [link widoczny dla zalogowanych] allow you to reorganise your debt into one amount and then you would pay one [link widoczny dla zalogowanych] convenient monthly repayment, and by continuing to pay back your debt each month, would ensure that you maintain your credit worthiness. If you feel that it's gone beyond that then consider schemes. More drastic solutions would include entering into an Individual Voluntary Arrangement or opting for bankruptcy. Both of these offer protection to those deep in debt as well as a possible solution, but should [link widoczny dla zalogowanych] be considered last resorts. If you are unsure as to what step to take in your battle against debt then make your first step on the road to recovery the Citizens Advice Bureau, who will outline all your options.
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Paul McIndoe is an online, freelance journalist and keen hillwalker. He lives in Edinburgh with his [link widoczny dla zalogowanych] two dogs.
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