• 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.

  • Gambling Addiction & Debt

    Gambling Addiction & Debt

    Written by PayPlan

    I recently read about a man who has gambled since he was 12 years old. He believed he needed to gamble in order to survive. He is now older and married with 2 children, yet he still gambles. His wife…

  • Ways to save the environment and save money!

    Written by PayPlan

    There is a lot in the news at the moment about how we are all using too much plastic and the need to cut down in order to save our oceans and the planet. You may think that cutting down…

  • Will debt collectors sue?

    Written by PayPlan

    Living with money worries is often the cause of sleepless nights, especially if you’re concerned about debt collectors taking you to court. When you fall into arrears on a credit card or loan, the creditor can launch legal proceedings against…

  • Welsh Government set to abolish Council Tax Imprisonment

    Written by PayPlan

    PayPlan’s reaction to Welsh Government abolishment of council taxAlistair Chisholm, head of advice sector policy and partnerships at PayPlan, wrote an industry report ‘I can’t believe we still do that: council tax report’ in November 2017.  The report, a joint…

  • What Happens to Personal Debt After Death?

    Written by PayPlan

    Most of us would like to think that our relatives are going to be looked after when we’re not around anymore, or at the very least, be sure they won’t inherit any debts we might have built up over the…

  • What’s the difference between debt and credit?

    Written by PayPlan

    There are times when you may feel like you can’t get away from credit card and loan advertisers, offering no end of tempting deals. But behind the slogans, it can be difficult to work out whether a product is right…

  • Mental Health Awareness Week

    Written by PayPlan

    Mental Health Awareness Week is taking part throughout the UK from 14-20 May. We all understand that it is important to look after your mental health, but how do we do this? There are many physical warning signs that you…

  • It’s Time to Break the Taboo of Debt

    Written by Skint Dad

    As a family, we first started talking about debt in 2013 when things got to the lowest point. We were skint – proper skint. It wasn’t about being able to afford a few pints at the pub, we didn’t have…

  • Case Study – Mike

    Written by PayPlan

    Mike (50) first came to PayPlan in 2012 with £17,000 of debt. Mike needed to carry out some urgent maintenance on the property where he lived.

  • Our favourite cheap food items!

    Written by PayPlan

    If you’re looking at ways to cut your monthly costs, one thing you can’t do without is food! But that doesn’t mean you have to splurge on takeaways and the finest brands in the supermarket… you can still eat well…

  • Our Debt Heroes Top Tips for coping with stress

    Written by PayPlan

    April 2018 is Stress Awareness Month, and here at PayPlan we understand how stressful managing your finances can be, particularly if you find yourself struggling to make up payments. It is important to understand stress, the causes and the triggers…

  • Stress Awareness Month – Time to reach out

    Written by PayPlan

    April is Stress Awareness Month across the UK. Dealing with debt issues can be closely linked to stress, and we’re aiming to break the stigma and silence around debt by encouraging people to reach out for help sooner. Stress can…

  • Countdown to Payday

    Written by PayPlan

    If you’re one of the estimated 10.4million* people in the UK that are living on the breadline before payday each month, you’ll know that this can be a more stressful time than any other. You’ll be counting the pennies to…

  • The Facts: PPI and Debts

    Written by PayPlan

    What happens with PPI if I’m repaying my debts?PPI or Payment Protection Insurance mis-selling claims relate to insurance that a creditor may have mis-sold to an individual. If you were incorrectly sold Payment Protection Insurance, you may have the right…

  • Can you inherit debt from your parents?

    Written by PayPlan

    The loss of a parent is an emotional, trying time but the worry of having to deal with their debts can make this period even harder. However, it’s important to note that when a person dies, their debts are paid…

  • Case Study – Diane

    Written by PayPlan

    Diane (39) reached out to PayPlan for debt help in 2014. Between herself and her husband they found themselves with £45,000 worth of debt. Diane and her partner were applying for adoption. During the process it was explained to them…

  • Protecting your finances if you get made redundant

    Written by PayPlan

    Large-scale redundancies, like the ones we saw when Carillion collapsed, are never far from the headlines, though there are plenty more we don’t hear about. Whether you’ve lost a job in the past, or it’s the first time, it’s only…

  • Changing energy suppliers when you’re in debt

    Written by PayPlan

    We all want to pay less for our energy – especially in the winter months – but what if you’re looking to change energy supplier but still owe them money?Whether it’s a new debt from your most recent bill that…