The IVA or (Individual Voluntary Arrangement) was introduced in 1986 as an essential piece of legislation which allows you to avoid the ordeal of declaring bankruptcy. It suits many people who are over £50,000 in debt, provided that they are in regular employment. An IVA is a legally binding agreement which stops any further action from your creditors. Once you’ve...

Job satisfaction depends how content you are in your job. The happier you are within your job, the more satisfied you will be in your private life. Job satisfaction is not the same as motivation, although it is clearly linked. Finding the right job design will enhance your job satisfaction, performance and pay. With the current economy leaving employees worried about...