The economic state we are currently in is a concern for all, and for many people this is all they can think about.  
How to get out of it, how to make this worry stop, what should I do?  
These are the times we need to reflect on what is important and to ensure that our money is truly spreading out as much as it can. 
Quite often we assess our monthly expenditure and jump straight to cancelling our direct debits without a second thought, saving that monthly premium is a need and this must be the only way...surely? Before we know it we have cancelled the most crucial direct debits we have in place. 
What if I told you there was another way to do this? By taking a moment to truly assess our needs and find a way to keep the pleasures we have, keep the protection in place while also saving money for our family. 
As your financial consultant, we can work together to ensure you are saving the pennies where you can while still remaining in the best position possible.  
Cancelling direct debits is the first action a lot of people take, without considering the repercussions of that action. But that can have costly consequences, including that the new cost of re-instating that product will probably be at potentially much higher new rates.  
By having a conversation we can work together to assess your needs and ensure you are on the right path getting the services and products you need, at the most affordable prices while also ensuring you and your family remain protected. 
A lot can change since you originally signed up to your credit commitments. But are you using every benefit that product offers you? If not, we could look to reduce the benefits to ensure you are only paying for what you truly need. 
This all starts with one conversation, it could save you the pounds you need! 
Contact me directly to arrange an appointment for us to discuss your wants and needs at or on 07982373157 
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VH D Consultants. Contact details here Live Chat webpage here Broker Log In / BrokerCentre here 
Head Office address; 109 Maldon Road, Colchester, Essex CO3 3AX (Administration Centre only) 
Your home may be repossessed if you do not keep up repayments on your mortgage. 
We normally charge a Professional Client Fee for mortgage advice. The amount will depend on your circumstances. A typical fee would be £500. The actual Professional Fee may be more or less than this, and is subject to a full Fact Find discussion and research process. H D Consultants is a trading name of Howard Reuben who are an Appointed Representative of PRIMIS Mortgage Network, a trading name of Personal Touch Financial Services Ltd. Personal Touch Financial Services Ltd is authorised and regulated by the Financial Conduct Authority.. Registered Office: Preston House, 163 High Street, Crowthorne, Berkshire, RG45 7AF. Registered in England & Wales. Company Registration Number 4952586. This site is for UK Consumers only. Website Terms and Conditions click here for our Privacy Policy. GDPR Privacy Policy - click here (PDF download / view) This site contains third party links. By clicking these links you will depart from the H D Consultants' regulated site. H D Consultants nor PRIMIS Mortgage Network is responsible for the accuracy of the information contained within the linked site. The Financial Conduct Authority does not regulate some of the services listed. H D Consultants, mortgage and life insurance advisers, is authorised by the FCA no 403701. Our in house Wills and Trusts Practice is a long standing Member of the Society of Will Writers and Estate Planning Practitioners.  
FP Ref: 1436009 / exp 25.08.2025 
Long established, recognised and national nominees and award winners for our professional mortgage services; 
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