Cosmopolitan Magazine Financial Statements

Are you a debt or a diva frugalista?

If you see one of the many women who are shopping as a form of recreation, you could for a tough financial to lie future.

A recent survey by Cosmopolitan showed that debt was 64 per cent of readers, with more than half due to upward of £ 5,000 on credit or debit cards. This new generation of divas debt does not think splurging on designer labels, even if they know that they spend more than they deserve. As a result, says the Consumer Credit Directive that Counselling Service to ask the proportion of young women to help with debt has doubled in the past ten years.

Take our short quiz to find out if you are frugalista a debt or a diva:

1st What is your attitude to spend?

a) I only buy what I really need

b) I like driving into town every Saturday – even if just to window shop

c) Shopping is my great pleasure in life

2nd Do you have debts other than your mortgage?

a) No, I pay for my credit card statement in full each month, and I'm not overdrawn

b) I have a small overdraft, but I'm not sure how much

c) I open to much anxiety to my bank and credit card statements

3rd you have a healthy credit history?

a) Yes, I have never missed a payment in my life

b) I have to get into debt after a relationship break-up, but now I'm back on even keel

c) What is a credit history?

4th Do you know where to go there or get help if you need advice?

a) I use the Internet regularly to find the best offers and free advice

b) I have heard from Citizen's Advice, but I do not want Know how to contact them

c) I am all the advice I need from the What's new? pages of women's magazines

Fifth Do other people help you financially?

a) I have never left on a partner's money

b) I sometimes borrow money from my friends or parents, but I always pay them back

c) What is the meaning, a man, if they do not pay for everything? "

6th thinking about your financial future?

a) Yes, I have some money every month

b) I am what I deserve, but I can not afford to save the administration

c) I'm just waiting to find a rich man

• mainly as

You are a frugalista. They have no money for its own sake, and you understand the meaning of the stay out of debt. An idea that your life easier make and help you control your finances is to stay on it, check your credit report regularly. It lists your credit accounts, such as loans, Cards and mortgages, see with your repayment history and other information to lenders when you apply to them. You can see Experian credit report with a 30-day trial version of Credit Expert free.

Top tips:

• Pay attention to spelling or Misunderstandings that could affect your credit rating and to ask lenders to correct

• Register to vote at your current address – Lenders use the electoral roll to verify residence

• Close all unused accounts – the less you already have permission to borrow, the more likely you are good deals to get on credit

• Mainly Bs

You are not a total debt Diva, but you could do better. If you thought more like a frugalista, brushed your credit history and tries to save money, you would regularly the right track. Start by checking your credit report that gives you a snapshot your credit accounts and the repayment record of your credit cards Mobile phone contract. It could be the wake-up call, you must get your finances in order – and it is free to make your Experian credit report with a 30-day trial of Credit Expert . See

Top tips:

• Tot all your outstanding loans – total may surprise the

• Creating a hit list of accounts, cost is the most interest and repayments – consider consolidating these into a cheaper loan or extension of your overdraft

• Check your credit report to ensure that it up to date before any new applications – a single mistake could mean, Do not get the best deals

• Mainly Cs

You are a complete debt Diva – and if you do not pull your head out of the sand and take a serious look at your finances, you may end up in financial difficulties. If you know what you owe, you can make your Way out of debt plan to be so brave – you open your statements, add your outstanding bills and take a look at your credit report to see how much They have borrowed in the form of loans, are on cards and other credit accounts (including store cards). It does not cost a penny to see your Experian credit report Under with a free 30-day trial of Credit Expert.

Top tips:

• Do not skip Repayments – the evidence stays on your credit report for at least three years and will borrow it increasingly difficult for you in the future

• Talk With your lender if you do not have to keep up question – you may be able to work out a schedule of repayments affordable

• If you are really concerned, get free, professional advice. Try Citizen's Advice in www.adviceguide.org.uk, National Debtline at www.nationaldebtline.co.uk and the Consumer Credit Counselling Service Directive on www.cccs.co.uk.

About the Author

Contributing author Mark Aucamp has been providing Talk Money Blog with regular Money Saving Expert advice and comments. Mark has extensive experience in providing Debt Management, Quick Mortgage Advice and solutions. Find out how to clear your credit card debts legally!

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Cosmopolitan $10.36 New in paper! Cosmopolitan: A Bartender’s Life is a memoir of the bartending life structured as a day in the life at Passerby, the bar owned and run by Toby Cecchini. It is, as well, a rich study of human nature—of the sometimes annoying, sometimes outlandish behavior of the human animal under the influence of alcohol, lust, and the sheer desire to bust loose and party. It’s not a pretty picture, but it’s always compelling through the gimlet-eyed gaze of the author. As his typical day progresses, from the almost pastoral quiet of opening the bar and setting up to the gathering rush of customers dropping in after work to the sheer madness of catering to a crazed crush of funseekers, Toby Cecchini muses over a life spent in the service industry and the fascinating particulars of his chosen profession. Topics touched on include dealing with regulars, both welcome and not; sex and the bartender; cocktail connoisseurs (and drinks he refuses to make); learning the bartending ropes of the Odeon when young and newly arrived in New York; the sheer man-killing pace of keeping those drinks coming at flood tide; and the manifold varieties of weirdness and bad behavior that every bartender has to learn how to manage. Cosmopolitan: A Bartender’s Life is the hip, behind-the-scenes look at the frenzied yet undeniably fun atmosphere of that great establishment—the bar—and Toby Cecchini is, by turns, witty, acute, mordant, and lyrical in dealing with the realities of his job, shedding plenty of light on the hidden corners of what people do when they go out at night. Toby Cecchini is part owner of the bar/gallery Passerby, located in New York’s far west Chelsea neighborhood. He began his bartending career in the mid-eighties at New York’s fabled bar and restaurant Odeon, where he began the Cosmopolitan cocktail revival. Cosmopolitan began as a series of acclaimed diaries in Slate. Cecchini has also written for The New York Times Magazine and the Times’s Style section. He lives in New York City.