Category Archives: Living in Debt

  • My Debt Story: Sam, PayPlan Debt Adviser

    ‘My Debt Story’: Sam, PayPlan Adviser

    Written by Mel Brown

    Sam has worked for PayPlan for a year as a debt adviser. He uses his own experience of being in debt to help and support others who want to take back financial control. Here Sam tells his story of how he turned his finances around…

  • PayPlan adviser story

    ‘My Debt Story’: Kim, PayPlan Adviser

    Written by Mel Brown

    Kim is a debt adviser at PayPlan. She uses her own lived experience of being in debt to support others who want to take back financial control. Here Kim tells her story of how she turned her finances around…

  • ‘My Debt Story’: Jane, PayPlan Adviser

    Written by Mel Brown

    Jane has worked for PayPlan for over 20 years as a debt adviser. She uses her own experience of being in debt to help and support others who want to take back financial control.

  • Crypto trading is not the answer to solving your debts

    Written by Hannah S

    With films like The Wolf of Wall Street glamourising the world of trading, there’s been a surge in people finding new ways to maximise their income in an attempt to ‘get rich quick’. The reality, though, is this is leaving more people in problem debt and in turn having a…

  • Make your debt-free dreams a reality

    Written by Hannah S

    Whether you were struggling before the pandemic, or your situation has changed because of this, there are options available to get you back on track. Read more in our latest blog.

  • Mental Health Awareness Week 2021

    Written by PayPlan

    In support of the Mental Health Foundation’s #MentalHealthAwarenessWeek, we’re sharing animations, tips, and blogs over the next five days on how you can take care of your wellbeing. The theme for this year is Connecting with Nature. We think this is great theme. It’s accessible, it’s inclusive and it’s free.…

  • How to budget in five steps…

    Tackle the financial third wheel this Valentine’s Day

    Written by Tom James

    Valentine’s Day is approaching and although celebrations will be a little different this year, it’s an opportunity to reflect and be with the one you love. For some, there is a third wheel getting in the way of a healthy relationship – debt.We recently surveyed over 2,500 people to see…

  • What to do if you’re struggling to pay your rent

    Written by Tom James

    With unemployment levels expected to reach a staggering 2.6 million by the middle of 2021, the sad reality is that many people across the UK will be struggling to pay their bills this year. Whilst redundancies are devastating for everyone, it’s fair to say that you’re even more at risk…

  • Talk Money Week

    I’m worried about my finances – when is the best time to get help?

    Written by PayPlan

    So far, 2020 has brought with it many changes, opportunities and challenges. Our top priorities are quite rightly our health and checking in on loved ones – family, friends, neighbours and taking care of our own wellbeing. However, if your finances are suffering, or have been for a while, then…

  • self employed

    What should you do if you’re self-employed and in debt?

    Written by Will Lyon

    There are around 3.5 million sole traders in the UK and 2 million limited companies, according to the business advice website CompanyBug. If you’re self-employed are and finding things tough during the Coronavirus crisis, don’t be afraid to seek help. You may have ended up in debt because your business…

  • National Domestic Abuse Helpline

    Blue Monday – The most depressing day of the year

    Written by PayPlan

    What’s so blue about Monday? Known by many as the most depressing day of the year, ‘Blue Monday’ is called as such for a number of reasons. For many, the post-Christmas debt is due, so many will be feeling the pinch. In addition, weather conditions are generally very gloomy and…

  • credit-card-debt

    New year, new credit card debt?

    Written by Sam Critten

    Another Christmas has come and gone, and another January has arrived, which can only mean one thing…credit card debt, and lots of it.The festive financial hangoverEvery year, thousands of Brits brace themselves for letters from their credit card providers as the financial hangover from Christmas really starts to hit home.…

  • Finances and physical health

    Will Your Partner’s Debts Affect You?

    Written by Chelsea Potter

    One of the most common concerns our customers express is whether their debts will affect their partner. This detailed blog post discusses marriage and debt and looks at how you and your partner can be financially linked. A useful read for anyone in a relationship.

  • How do I write a letter to freeze credit card interest?

    Written by Payplan Ryan

    How do I write a letter to a credit card company to freeze interest? Having interest and charges frozen on your credit cards can make a huge difference to the length of your repayment period. For many people a solution like an Individual Voluntary Arrangement or a Debt Management Plan…

  • Can I Get Redundancy Pay if I am Over 65?

    Written by Tom James

    It used to be that most people were retired by the age of 65. Unfortunately however, this is no longer the case. If you are working over the age of 65, you may be doing it to support your lifestyle or the livelihood of others. You may just be doing…