Category Archives: Living in Debt

  • Case Study – Chris

    Written by PayPlan

    Chris (36) had over £80,000 worth of debt when he reached out to PayPlan for help over 6 years ago. His debt problems started when his commission based job changed. Chris was a wealthy man with a large income of over £100,000 per year, but unexpectedly his key clients left…

  • Kids Have to Deal with Debt too

    Written by Skint Dad

    Loss of a job? Change in circumstances? Or just the sheer volume of debt that becomes unmanageable? Whatever the reason you got into debt, it’s not just you it has an impact on. While, as a grown up, you’re the one who needs to have difficult conversations with creditors, make…

  • How to know when your debt is too much

    Written by PayPlan

    For many of us, our list of outgoings usually feature some sort of debt repayment. It could be the mortgage on our home, a credit card bill or a personal loan. But while we understand debt is an everyday part of life and many of us make repayments without worry,…

  • What Financial Help Is Available If You Have Mental Health Problems?

    Written by PayPlan

    You’ll have probably seen plenty of newspaper reports about mental health in recent months, including some coverage about our work here at PayPlan to encourage more vulnerable clients to reach out for help in the run-up to World Mental Health Day on 10th October. Slowly-but-surely, the stigma is being removed,…

  • Do men deal with debt?

    Written by Skint Dad

    It appears men are not really the ones who deal with finances at home. After a general survey of the Skint Dad Community Group, the consensus was that men either don’t have the time, cannot be bothered to deal with money or trust it all to their other halves to…

  • How to tell your partner you’re in debt

    Written by PayPlan

    Approaching the subject of debt is hard at the best of times, but when you need to discuss any big money problems with your partner, we understand that this can be particularly scary – especially if your relationship is just entering a more serious stage.But many people are currently suffering…

  • I Hate to Admit That I Was Wrong

    Written by Skint Dad

    Ricky Willis, author of the award-winning Skint Dad blog, tells us why having access to free debt help and advice is important. I never used to ask anyone for help. I didn't think I needed to. I earned a decent wage, was proud and wanted to spend my money...

  • Our Christmas campaign revealed… #HappyNewYear

    Written by Chelsea Potter

    PayPlan have teamed up with one of the UK’s leading mental health charity’s, SANE, to reveal a Christmas campaign targeting mental health and debt. Our campaign #HappyNewYear looks at the real cost of Christmas and makes you question whether it’s really worth it.

  • Easier ways to manage your money

    Written by Chelsea Potter

    When we start to make efforts to monitor our finances, managing our money becomes a little easier. This week’s blog post looks at the methods you can use to keep track of your accounts and how you can control of your spend.

  • Am I still liable for my debts?

    Written by Chelsea Potter

    We get asked a lot of questions on our blog and our Debt Questions forum about whether people are still liable for their debts. For this week’s blog post we are going to look at some of the most common scenarios people ask about and answer your queries.

  • An Unfortunate Week

    Written by Chelsea Potter

    We've released a new campaign called An Unfortunate Week. It’s an interactive guide showing hypothetical examples of someone subject to bad luck in the week running up to payday. An Unfortunate Week is an eye opening piece that we hope will raise awareness of debt issues and stress the importance…

  • What to do if the bailiffs are on your doorstep?

    Written by Chelsea Potter

    One of the biggest fears people have when they’re in debt is what happens if the bailiffs come? Our latest blog post looks at your rights and whether you need to let them in if they turn up on your doorstep.

  • PayPlan Plus is changing

    Written by Chelsea Potter

    We have relaunched our PayPlan Plus website bringing our clients a new look that is also easier to use. Find out more about what's changed and how PayPlan Plus can benefit you.

  • Is gambling affecting your finances?

    Written by Chelsea Potter

    Is gambling affecting your finances? Our latest blog post is from Gamcare and they offer advice about what you can do and where you can go to get help.

  • Cutting costs: Easy ways to reduce your spend

    Written by Chelsea Potter

    Cutting costs is difficult because while we all want to reduce our spend and save money, we don’t necessarily want to give up on all hopes of a social life and live life on rations. Today’s blog post looks at simple ways you can make cutbacks and save money without…

  • Do I need to open a new bank account?

    Written by Chelsea Potter

    If you’re struggling with your debts and looking at ways you can become debt free, it might have been suggested you open up a new bank account. Today's blog post looks at the bank's right to offset and whether you need to open a new account.