With sole traders and small businesses struggling due to lower consumer spending, higher rates and other overheads, higher wage costs and the looming Brexit uncertainty, saving may seem like an extravagance that many just cannot afford.
We are now facing a similar recession to 2008, however this time personal credit is out of control in UK & NI, the Banks and lending sector seem to have learned nothing from their previous mistakes.
As you may know the Department for Communities (DfC) is rolling out measures to ensure the advice sector is prepared to assist the general public through the implementation of the ongoing changes to the welfare system.