Planned cost funds: how to plan for costs that don’t happen every month

Some costs aren’t planned for in your monthly budget. But when they do, they can put pressure on other parts of your finances.It could be your MOT, a birthday gift, new school uniforms, or Christmas. You might know it’s coming,…

Starting university? A guide to managing your money this academic year

Starting university brings a lot of firsts. You might be moving away from home, meeting new people and managing more of your own money.It can be exciting, but it’s also a big change. Rent, food, travel, course materials and social…

Are subscription services draining your budget? Here’s how to check

Whether it’s your favourite streaming service,  music app, cloud storage or  meal kit, monthly subscriptions are designed to save you time and add convenience.But because these payments are taken automatically, it’s easy to lose track of how many you have…

Understanding your payslip and the common deductions explained

When you look at your payslip, it’s easy to focus on just the amount that hits your bank account. Understanding the deductions on your payslip can help you budget more effectively, spot any errors and feel in control of your…

Buy now, pay later usage rises by nearly 4,000% between 2020 and 2025

Buy now, pay later (BNPL) is now a common payment option at online and in-store checkouts. It is often used for clothing, homeware and everyday spending, as well as larger purchases. Used carefully, it can help spread the cost of…

When the fun stops: What football fans should watch out for this World Cup

The World Cup is fast approaching, and for many people, it’s an exciting time, but this can also be a challenging time for someone affected by gambling. A Nationwide survey found that many people are expected to bet more in…

Myth busting: Common misunderstandings about debt

Debt can feel complicated enough without myths, assumptions or misinformation getting in the way. These myths can increase stress, cause confusion and even stop people from getting the help they need.This guide breaks down some of the most common debt…

What to know before you go self-employed

Becoming self-employed is a dream for many – the freedom to build something of your own, set your own hours and follow your passion.But before you take the leap, it’s important to understand what type of self-employment is right for…

What’s the difference between priority and non-priority debts?

Not all debts carry the same consequences.Understanding the difference helps you decide which payments must be made first, protect essential services, and keep control of your budget.What are priority debts?Priority debts are the bills that carry the most serious consequences…

Stress Awareness Day: Understanding the impact of financial pressure

Stress is something we all experience but understanding what’s behind it – and knowing where to find support – can make a real difference.In support of Stress Awareness Day, which took place earlier this month, we wanted to take a…

How to write a budget that works

A budget isn’t just a spreadsheet – it’s your money plan.It helps you make the most of what you earn, stay in control of bills and feel more confident about where your money goes every month.This guide breaks budgeting into…

Starting university? Here’s what you need to know about managing your money

For many young people across the country, heading off to university is one of the biggest lifestyle changes they’ll face. New friends, new surroundings, new independence and often for the first time, new financial responsibilities.With student loans, maintenance costs and…

Back-to-school costs are adding up for parents

As summer winds down, thoughts turn from holidays and days out to school uniforms, stationery and lunchboxes. But for many parents, the excitement of a new school year also comes with the stress of paying for it.Research shows the minimum…

Budgeting for summer in 2025: What you need to know

As the school holidays approach, a lot of people will be looking forward to some well-earned down time. But while the idea of taking a break can be exciting, the cost of making summer special can leave a lasting financial…

What happens when you contact PayPlan – a step-by-step guide 

If you’re thinking about getting support with your finances, but aren’t sure of the process, feel nervous or don’t know what to expect, you’re not alone.We understand that, for a lot of people, reaching out is often the hardest step,…

How can I improve my financial health in the New Year?

So many people use the New Year to kick start a health plan and look after their bodies, but the New Year can also be the perfect opportunity to review your financial health.The holiday season is expensive, with food, presents,…

Support with raising children

Raising children is one of the most rewarding experiences life can offer. However, it can be surrounded by a fair share of worries, particularly when it comes to your finances. From milk to nappies, childcare to clothing, the costs soon…