Debt
Clear, actionable advice on managing, reducing, and escaping debt.
10 Debt Advice Tips That Can Actually Help You Get Back on Track
Practical debt advice for anyone struggling to keep up with payments. From contacting creditors to finding free help, these 10 tips can make a real difference.
3 Questions to Ask Before You Sign Up With a Debt Relief Company
Before you pay a debt relief company, ask these three questions to make sure you choose the right kind of help and avoid being overcharged or misled.
3 Tips for Developing Financial Discipline: A Practical UK Guide
Financial discipline is not about deprivation. These three practical tips help you take control of spending, reduce debt, and build better money habits.
4 Simple Steps to Taking Control of Your Money
Taking control of your money starts with four steps: reviewing your statements, setting clear goals, reducing outgoings, and tracking your progress monthly.
4 Ways a Prepaid Debit Card Can Save You Money in the UK
Prepaid debit cards charge no interest, prevent overdrafts, and help you stick to a budget. Here are four ways they can save you money in the UK.
5 Things to Know When Shopping for Car Insurance in the UK
Shopping for car insurance in the UK? These five tips help you compare policies, choose the right cover level, and avoid paying more than you need to.
A Beginner's Guide to Personal Loans in the UK
A personal loan lets you borrow a fixed sum and repay it monthly. This UK guide explains loan types, APR, fees, and how to choose the right deal for you.
Can I Earn Overtime With an IVA? How Extra Income Affects Your Payments
You can earn overtime during an IVA, but extra income above 10% of your normal earnings is usually shared 50/50 with your creditors. Here's how it works.
Free Debt Charities in the UK: Where to Get Help When You're Struggling
Struggling with debt in the UK? These free debt charities offer expert, impartial advice with no sales agenda - including StepChange, National Debtline and Citizens Advice.
Got Bad Credit? Your Options for Borrowing and Rebuilding in the UK
Bad credit limits your borrowing options but does not eliminate them. This guide explains what is available, what to avoid and how to start rebuilding your score.
How Can I Get Out of Debt? A Step-by-Step Guide for UK Adults
Struggling with debt in the UK? This guide explains your practical options, from budgeting and debt management plans to IVAs and bankruptcy, in plain English.
How Can I Pay Off My Debts Faster? 8 Proven Strategies for the UK
Want to clear your debts faster? From the avalanche method to balance transfers and side income, here are eight proven strategies that work for UK borrowers.
How Car Colour Can Save You Money: Resale Value and Running Costs Explained
The colour of your car affects its resale value by thousands of pounds. Find out which colours hold their value best and how to use this when buying or selling.
How Does an IVA Work? A Plain-English Guide to Individual Voluntary Arrangements
Find out exactly how an IVA works in the UK: the five-step process, fees involved, what creditors can and cannot do, and whether an IVA is right for you.
How Going Green at Work and Home Can Save You Money
Eco-friendly habits at home and work can cut your energy bills, reduce travel costs, and save hundreds of pounds a year. Here is how to get started.
How to Avoid Your Overdraft: Practical Tips to Stay in Credit
Going into your overdraft regularly is expensive. Here are practical, proven ways to track your spending and stay in credit every month in the UK.
How to Budget Your Money: A Step-by-Step Guide for UK Adults
Learn how to build a monthly budget in five steps, cut unnecessary spending, and start saving. A practical guide for anyone looking to take control of their finances.
How to Claim Back Unfair Bank Charges: A Step-by-Step UK Guide
If bank charges have pushed you into financial hardship, you may be able to claim them back. Here is the exact process to follow, from writing to your bank to the Financial Ombudsman.
How to Deal With Financial Uncertainty: Practical Steps to Protect Your Finances
When money is tight, the right steps can make a real difference. From cutting essential costs to finding extra income, here's how to protect your finances.
How to Enjoy a Debt-Free Christmas: A Practical UK Budgeting Guide
Christmas debt is avoidable with the right plan. Learn how to set a realistic budget, shop smartly and enjoy the festive season without January regrets.
How to Get a Debt Management Plan for Free in the UK
You never need to pay for a debt management plan in the UK. Free DMPs are available from StepChange, National Debtline and Citizens Advice. Here is how to get one.
How to Get a Mortgage If You're Self-Employed: A Practical UK Guide
Self-employed mortgages are available from most UK lenders, but the application process differs. This guide explains what evidence you need and how to improve your chances.
How to Get the Best Deal on a Car Loan in the UK
Comparing car loan types can save you thousands. This guide explains personal loans, PCP, hire purchase and what to look for in the small print before you sign.
How to Get Your Business Out of Debt: Practical Steps for Directors
If your business is in financial difficulty, you have several options before insolvency. This guide covers CVAs, cost-cutting and when to seek professional advice.
How to Save and Earn Extra Money: Practical Tips for UK Adults
Simple, proven ways to cut your spending and earn extra income in the UK. From switching energy tariffs to selling unused items, here is where to start.
How to Set Personal Finance Goals That You Will Actually Achieve
Vague financial goals rarely stick. This guide shows you how to set specific, measurable money targets - from debt reduction to savings - and build a plan to hit them.
How to Stay Financially Secure After Retirement: 5 Practical Steps
Managing money in retirement is different from managing it during work. These five steps help UK retirees stretch their income, claim benefits, and plan ahead.
How to Tackle Debt by Increasing Your Income: Practical UK Options
Earning extra income can accelerate debt repayment significantly. This guide covers legitimate UK options - from selling unwanted items to self-employment - and the tax rules.
How Will a Debt Management Plan (DMP) Affect My Credit Score?
A DMP will affect your credit score, but the impact varies by lender. This guide explains exactly what happens to your credit file when you enter a DMP in the UK.
How Will an IVA Affect Me? A Plain-English Guide to the Impact
An IVA affects your credit file, job, home and finances for at least six years. This guide explains exactly what to expect before, during and after an Individual Voluntary Arrangement.
Is Debt Consolidation a Good Idea If You're Struggling? A Plain-English Guide
Debt consolidation can simplify repayments and reduce interest, but it is not right for everyone. Find out when it helps and when it makes things worse.
IVA Advice: Your Financial Action Plan for Getting Out of Debt
An IVA lets you repay what you can afford and write off the rest. Here is a plain-English action plan covering what to do, who to contact, and what to expect.
IVA vs Bankruptcy: 5 Key Things to Know Before You Choose
Choosing between an IVA and bankruptcy? This guide explains five critical differences including debt write-off, fees, credit impact, and homeowner rules.
IVA vs Bankruptcy: Key Differences Explained for UK Debtors
IVA and bankruptcy are both formal insolvency options but work very differently. This guide explains duration, costs, career impact, and effect on your home.
IVA vs Debt Management Plan: Key Differences Explained
An IVA is a legally binding insolvency solution that writes off remaining debt after 5 years. A DMP is informal, flexible, and repays the full balance. Here's how they compare.
PPI Claims: What Happened and What to Do If You Still Have Questions
The PPI claims deadline passed on 29 August 2019. New claims can no longer be submitted to banks or the Financial Ombudsman. Here's what you need to know.
Secured vs Unsecured Loans: Key Differences and Which to Choose
A secured loan is tied to an asset such as your home. An unsecured loan is not. Here is how they differ on interest rates, borrowing limits, and the risks involved.
Student Loans in the UK: What You Need to Know Before You Borrow
UK student loans cover tuition fees and living costs. Find out how repayments work, when they start, and what happens if you never earn enough to repay in full.
The Quickest Way to Pay Off Your Debts: A Step-by-Step Guide
The fastest way to pay off debt is to stop adding to it, target the highest-interest balance first, and throw every spare pound at that debt until it is gone.
Tips on Exporting to Developing Countries: Finance and Legal Considerations
Exporting to developing countries involves tax obligations, legal checks, payment risk, and currency considerations. Here is what UK businesses need to know before starting.
What Are the Benefits of an IVA? A Plain-English Guide
An IVA freezes interest, protects you from creditor contact, and writes off remaining debt after five years. Here are the main benefits explained clearly.
What Are the Risks of an IVA? Honest Guide to IVA Disadvantages
An IVA carries real risks including credit file damage for six years, strict budget requirements, potential home remortgaging, and the possibility of bankruptcy if it fails.
What Does an IVA Cost? Fees, Charges and What You Actually Pay
IVA fees include a nominee fee and supervisor fee, typically totalling around £5,000. Find out how they are charged, who pays them, and what to watch out for.
What Happens If Creditors Reject Your IVA Proposal?
If creditors holding 75% of your debt do not vote in favour, your IVA proposal fails. Here's what happens next, what your options are, and how to avoid rejection.
What Happens to My House on an IVA? Your Property Rights Explained
An IVA rarely forces a house sale, but you may need to remortgage in the final year. Find out exactly how an IVA affects your home, mortgage, and equity.
What Happens to My IVA If I Lose My Job? Steps to Take and Options Available
Losing your job during an IVA is serious but manageable. Find out how to get a payment break, what happens if your income does not recover, and how to protect the arrangement.
What is a Debt Management Plan (DMP)? A Plain-English Guide
A debt management plan lets you repay unsecured debts at a rate you can afford. Find out how a DMP works, who it suits, and how to set one up for free.
What is a Personal Loan and Is It Right for You? A Plain-English Guide
A personal loan lets you borrow a fixed sum and repay it in monthly instalments. Find out how personal loans work, what they cost, and when they make sense.
What is an IVA? A Plain-English Guide to Individual Voluntary Arrangements
An IVA is a legally binding debt solution that lets you repay what you can afford over five to six years, with any remaining unsecured debt written off at the end.
What is Debt Consolidation and Is It a Good Idea? A Plain-English Guide
Debt consolidation combines multiple debts into one monthly payment. This guide explains how it works, the pros and cons, and whether it is right for you.
What is the Best Way to Consolidate Your Debts? A UK Guide
The best way to consolidate debt in the UK depends on what you owe and your credit score. This guide compares loans, balance transfers, and DMPs clearly.
What is the Best Way to Reduce Credit Card Debt in the UK?
The fastest way to reduce credit card debt in the UK is to stop adding to it, pay more than the minimum, and tackle the highest-interest card first. Here's how.
What is the Role of an Insolvency Practitioner in an IVA?
An insolvency practitioner sets up, manages and supervises your IVA from start to finish. Find out exactly what they do and how to choose a licensed one.
What to Look for When Taking Out a Short-Term Loan
Before taking out a short-term loan, check the total cost, APR, early repayment terms, and whether the lender is FCA-authorised. Here is what to look for.
Which Loans Carry the Least Risk? A UK Borrower's Guide
Unsecured personal loans are the least risky for most UK borrowers because your home is not at stake. Find out which loan types to choose and which to avoid.
Why Is It More Expensive to Pay for Car Insurance Monthly?
Paying for car insurance monthly costs more because you are taking out a credit agreement and paying interest on the loan. Here is exactly how it works.
Why You Should Use Your Savings to Pay Off Debt
If you have savings and debt at the same time, you are almost certainly losing money. Here is why using your savings to clear debt usually makes financial sense.