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I have two credit cards and when my salary was reduced, I would use one credit card to pay the other. I would do this every month to keep the collection agents away, but I also used them for living expenses, such as buying food and paying for my phone and the internet. However, I have now reached the credit limit on both cards and cannot use them. I will not be able to afford to pay even the minimum amount that is due at the end of the month and I am worried about what will happen if I start to miss payments on the credit cards.

SHARE Saving goals for retirement usually depend on which country you plan to settle down in during your golden years, but it is also important to start planning as early as possible, financial experts say. A survey by global consulting company Mercer in February last year found that almost half of all UAE residents often delayed preparing for their retirement until they had reached their late 40s and 50s. It also found that about 45 per cent have no plans to ensure an adequate standard of living after they retire or plan to work beyond their retirement age to ensure a steady income.

The Debt Panel: 'Can I use my Ajman property to pay off a Dh171,000 debt?' However, I am worried about the debts we have here. While I haven’t missed any payments, supporting two households in two countries is a huge strain on our finances and my husband is diabetic and not working. I plan to use some of my end-of-service benefit to pay off part of our debt, but I will need most of it to take home with me to continue supporting my family until I start working again. We came here to work and make money to buy a house. But our children couldn’t attend a public school, so we went from one lo...

Voters will have to pay higher taxes to make a transient stimulus permanent on an American welfare state “America’s social democratic turn has been in the works for decades now”, writes Janan Ganesh in the Financial Times. “Quietly, voters have grown to like Barack Obama’s Affordable Care Act. Public surveys disclose a culture that is no longer one of masochistic self-reliance, if it ever was.” But President Joe Biden’s $1.9trn fiscal relief bill is still far from a “resounding” progressive moment. Voters may welcome extra spending in a crisis, but the test is whether they ...

The journalist looks at his experience of severe clinical depression from a ‘biomedical perspective’