Category Archives: Money Management

  • Don’t let Black Friday land you in debt!

    Written by PayPlan

    Christmas is on the horizon and, understandably, many people will be out bargain hunting on Black Friday. Every year shoppers in the UK raid both the high street and the Internet to pick up cheap deals in the US-inspired shopping spree, with over £1.4bn spent online alone in 2017.* It’s hardly…

  • 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 whilst keeping your costs down. Here at PayPlan, we’ve come…

  • Our Debt Heroes Top Tips on Budgeting and Saving Money

    Written by PayPlan

    Sam and Emma, two of our Debt Heroes, speak to people every day who need help and support due to money worries and financial difficulties. We caught up with our Debt Heroes and asked them what top tips they follow at home to help their money go further. Emma’s top…

  • A guide to getting rid of your credit card debt

    Written by PayPlan

    Credit card debt can quickly mount up and if you are finding it tough to repay what you owe, there are ways to tackle your credit card debt and free yourself from increasing interest costs.In some cases, if the debt on a credit card is high, this means the minimum…

  • Avoid the ‘invisible money’ trap

    Written by PayPlan

    Most of us are so used to flashing the plastic at the till and online that we rarely give it a second thought. Of course, credit cards are useful for household budgeting, helping you to spread the cost of big-ticket items, build your credit score and tap into rewards like…

  • A guide to paying off your overdraft debt

    Written by PayPlan

    Many of us dip into our overdraft before payday and sometimes – if the month has been a particularly busy one or if any unexpected payments have surfaced – this means what we do receive from our wages could quickly be eaten up to cover what we now owe.It can…

  • Five easy ways to keep your money in check

    Written by PayPlan

    It’s a few weeks into 2018, and we all know how hard it can be to keep motivated to meet your New Year goals. Despite the days getting longer, the evenings are still dark, the weather is still damp and grey and those post-Christmas bills have been received. So we’ve…

  • Can and should you pay your mortgage with a credit card?

    Written by PayPlan

    A common question, when it comes to mortgage debt, is ‘can I pay my mortgage with a credit card?’. If you are considering paying your mortgage with a credit card, this guide breaks down whether you should do this:  Can you pay your mortgage with a credit card?Yes, you can…

  • Getting Savvy About Priority Debts

    Written by PayPlan

    No one plans to get into debt. But sometimes the unexpected happens and managing personal and household finances become more of a challenge. When money is tight we might find ourselves having to make a decision about which bills we can afford to pay and which ones must wait. But…

  • Looking After The Pennies in 2018

    Written by PayPlan

    This time of year is for reflecting on the previous 12 months, and also looking ahead to the next 12 months and what we can do to improve ourselves through little changes in our everyday life.

  • The Rainy Day Fund

    Written by SavvyDad

    Hi I’m Olly and I write over at savvydad.co.uk about all things family and finance related. We’ve heard the term “Rainy Day Fund” and you probably agree with us that it sounds like something we should all have. So, why do so few of us actually have one?

  • How To Save A Little Each Day

    Written by PayPlan

    You might think this article is irrelevant to you, particularly if you’re relying on credit cards to pay for those extra expenses at the end of the month. But by making a few small changes you can improve your financial situation. Everyone has to start somewhere!

  • 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.

  • 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…

  • Staying out of debt

    Written by Chelsea Potter

    It can be such a relief once you make your final payment to your creditors and you can finally say you are debt free. However it can also be an overwhelming period. Today's blog post looks at the aftermath of your debt plan and offers advice on how you can…

  • Creating a debt plan: What you need to know

    Written by Chelsea Potter

    The first step to getting your finances under control is to create a debt plan. Whether that's done on your own by looking at your budget or whether that's done with the help of a debt solution, today's post will look at how you can get started.

  • Managing your finances: A guide to budgeting

    Written by Chelsea Potter

    Working out a monthly or weekly budget means you have a much clearer idea of how much money is coming in and going out. This can be the difference between gradually falling further into debt and managing to make your repayments. Our budgeting guide will help you to manage your…

  • Helping your child with debt

    Written by Chelsea Potter

    Should you help your child with debt if they are struggling and if so, what support should you give them? Is financial assistance enough? Our latest blog post looks at how you can really help your child with their debt problems.