• Welcome to PayPlan’s debt advice blog!

    The Living Room is a vibrant social space to chat, share tips and pick up new ideas to live well on a budget. From free things to do with your kids this weekend to a big meal on a small budget, we’ll be sharing all of our ideas with you. And most importantly – we want you to share your top tips with us!

    So, what are you waiting for? Come in, make yourself comfortable, grab yourself a cuppa and get involved in the Living Room.

  • PayPlan Joins Collaboration to Tackle Financial Harms

    Written by Tom James

    GamCare, the leading national provider of gambling support, has launched a new collaborative initiative to tackle financial harms caused by problem gambling. PayPlan will be working hard to play a key part in this initiative and help those struggling financially.This…

  • How often does your credit score change?

    Written by PayPlan

    Your credit score is very important; it’s essentially the first thing that any potential lenders are going to look at when deciding whether or not you’re a reliable person to lend money to. If you’ve got a good score, you’ll…

  • Filing For Divorce: What Costs are Involved?

    Written by PayPlan

    Filing for divorce: What costs are involved? Separation is a stressful time for everyone involved, not least because of the financial pressure it brings. If divorce is the only way to go, you’ll need to account for any associated costs,…

  • PayPlan named Debt Advice Provider of the Year

    Written by Tom James

    The PayPlan team recently celebrated after being named the 2019 Debt Advice Provider of the Year at Credit Strategy’s industry leading Collections & Customer Service (CCS) Awards.Now in its thirteenth year, the CCS Awards champions outstanding achievements of organisations, teams…

  • Can you be made redundant while your job still exists?

    Written by PayPlan

    Being made redundant can be a stressful experience, and if you’ve got bills to pay and a family to look after it can be particularly distressing. Whilst there are many reasons for being made redundant, unfortunately it might be the…

  • What’s the Difference Between APR and AER?

    Written by PayPlan

    It’s easy to feel overwhelmed by the amount of technical terms in the money world, ‘APR’ and ‘AER’ for example. The two get tossed around a lot together, so it’s important to know which is which. What is APR? APR…

  • How Do You Get a Car on Finance?

    Written by PayPlan

    If you’re unable to fund buying a car outright, you may instead look to financing one instead. There are many different types of car finance, so it’s important to consider all your options before getting into an agreement you may…

  • How to protect yourself financially in a separation

    Written by PayPlan

    It’s likely not going to be the first thing on your mind post-separation, but sorting out your financial situation quickly is essential after a breakup. If your separation didn’t happen under the best terms, acting quickly will give you the…

  • What is representative APR?

    Written by PayPlan

    Whenever you apply for a loan or finance, you’ll come across the term APR, which stands for Annual Percentage Rate. If you borrow any money, the APR is simply the amount of interest that’ll be added to the total amount…

  • Redundancy Pay: What Are You Entitled To?

    Written by PayPlan

    What is redundancy? Redundancy is defined as an employer terminating a job role. This is usually done either because the job is no longer needed, or the employer needs to trim down the workforce. Being made redundant is often overwhelming.…

  • Talking Money Matters on World Mental Health Day

    Written by Tom James

    World Mental Health Day takes place on 10th October 2019. Results from a recent PayPlan survey, along with advice from the Samaritans, highlight the importance of seeking money advice sooner to try and support mental health problems. What is World Mental…

  • What is a Challenger Bank?

    Written by PayPlan

    Challenger banks are typically small banks aiming to challenge the longer-established bigger banks, such as the ‘big four’ (Barclays, HSBC, Lloyds Banking Group, and The Royal Bank of Scotland Group). Examples of challenger banks include Monzo, Starling and Tandem, but…

  • How to recycle an old pair of jeans

    Written by Emmanuelle Kopliku

    Sometimes, no matter how much you love your favourite pair of jeans, they get too old and shabby to wear or they don’t fit anymore. We’ve compiled a collection of 10 unusual things you can easily make with old pairs…

  • Stag do’s don’t have to be dear

    Written by Emmanuelle Kopliku

    Waving goodbye to one of your comrades as they take the well-trodden walk into matrimony can be a difficult experience, with the prospect of frequent 4am finishes and afternoons organised around Soccer Saturday firmly becoming a thing of the past.…

  • Be Mindful of your Money this Pension Awareness Day

    Written by Tom James

    What is Pension Awareness Day? Pension Awareness Day is an event that aims to promote the importance of saving for the future. Launched in 2014 by Pension Geeks, the initiative offers online and face-to-face advice for people to find out…

  • Shout: Supporting People in Crisis

    Written by Will Lyon

    In recognition of World Suicide Prevention Day, we’re speaking to PayPlan Team Leader and ‘Shout’ volunteer Laura Evans. We sat down with Laura to find out more about how Shout offers support to people in crisis. Hi Laura, what can…

  • Samaritans and PayPlan talk on suicide prevention

    Written by Tom James

    Every year in September, organisations around the world campaign to raise awareness of suicide prevention for World Suicide Prevention Day. That’s why we’ve teamed up with the Samaritans to talk about suicide prevention ready for #WorldSuicidePreventionDay. Why is it important…