Debt is only as bad as the harm that it causes, which is why the Demos report out today has created a 'Harm Index' measuring the impact of debt. It suggests ways that debt support should be tailored to the individual struggles individuals face, and also argues that lenders who cause the most harm face stronger penalties.
Despite being the government department charged with representing the interest of business around the Cabinet table, the Department of Business, Innovation and Skills has worryingly little direct input from the business sector when it comes to conducting their own work.
It's been a tough few years for businesses in the UK, especially new start-up enterprises trying to make their mark in an economy rocked by recession. 2014 could mark the start of a turnaround for Great British businesses.
The fate of Scotland is rightly a decision for the Scottish people, but business is clear - the UK is so much more than the sum of our parts and we are stronger together. Scotland's success today is achieved because of, and not in spite of, the Union.
We need to tackle poverty pay, with higher wages in sectors that can well afford to pay more, as well as more employers paying a living wage... Unless we take action, this pay gap will only grow, and only those right at the top will benefit from the recovery.
It was Plan A all the way. None of the easing of austerity that fuddy-duddy old Keynesians were asking for. Everyone knows this is true because the Chancellor keeps telling us it is, and is rarely challenged when he does so. The only problem is that the numbers tell a different story.
With a budget that achieves the exact opposite of the objectives the Chancellor has set himself we are all wondering what will come out of the Ministry of Truth next. A Localism Act that centralises planning perhaps; or a Big Society that cuts benefits for the poor and vulnerable?
With the fiscal situation still tight, and a year to go before an election in which the Chancellor will accuse the opposition of fiscal profligacy, it was never likely that this was going to be a particularly exciting budget - and so it proved.
In his budget speech, the Chancellor said that he wanted Britain to have more economic resilience. The economic recovery that his polices are delivering is unlikely to achieve this aim.
The Government has no money. Governments don't produce profits. High-net-worth individuals, businesses, pension funds and international wealth funds have the cash. We don't. That's why we must woo them, welcome them, give them a great reason for coming here and encourage them to invest this money in British businesses right now.
We need to move beyond tinkering. There needs to be demonstrable change, driven by a sense of urgency. A clear purpose, founded on human dignity and the common good, can inspire people to come together... But this is not a quick fix. It is a journey that will take many years.
Politicians from all parties have traditionally struggled to make their rhetoric on immigration chime with the British public's views. New findings from Ipsos MORI showing a divergence of public opinion on the subject, may explain why.
In recent years, America's technology giants have increased profits to epic levels. So you'd think this good fortune would prove a boon to the fragile American economy. A river of tax dollars from America's cash-rich technology firms ought to contribute towards a significant reduction of the US $17.5trillion debt mountain. Only it hasn't quite worked out that way...
If not specifics, then, what will the Chancellor be hoping to achieve with the Budget? He will want to try and convince voters that the economic recovery is bringing some benefits for them, their families and their households...
As a keen observer, I'm growing tired of hearing endless streams of back and forth about the economics of independence. Of course the issue deserves scrutiny, and will continue to be at the forefront of most of the rhetoric, but it would be helpful if the debate expanded beyond this one issue...
Looking beyond short-term political point scoring, could the current cost of living crisis be the symptom of something much wider?