Money Management
12 Sep 2019
Money Management
16 Aug 2019
The Rising Cost of The Summer Holidays
The summer holidays should be one of the happiest times of the year for families. Children are set free from their school routine for six weeks, giving parents the chance the chance to enjoy some quality family time on days…
Money Management
12 Aug 2019
Covering Funeral Costs: Your Options
Covering funeral costs may be the last thing on your mind after the death of a loved one. Unfortunately it’s something most of us will have to face at some point in our lives. Many people struggle to cover these…
Money Management
5 Aug 2019
Is Your Money Covered by a Bank?
Indeed, we all want to make sure our money is safe in the bank. Luckily, there are various savings protection schemes in place which serve to make sure your cash is covered by a bank. Will these schemes affect me?…
Money Management
1 Jul 2019
How To Lower Credit Card Interest
Do you feel you were sucked in by an introductory interest rate? Have these rates risen to a point where you’re struggling to make the repayments? There are a number of things you can do to lower your interest rate…
Living in Debt
1 Jul 2019
Can an IVA take my inheritance?
What is an IVA? An Individual Voluntary Arrangement, or IVA for short, is a debt solution whereby you pay all of your unsecured creditors back in monthly payments usually over a period of 5 or 6 years. Once the agreement…
Money Management
25 Jun 2019
Tax credit overpayments
Money Management
18 Jun 2019
A Guide to Buying Goods on Finance
A guide to buying goods on finance Unfortunately, we don’t always have the money we need to make the purchases we want. This is where finance agreements come in. Buying goods on finance can give you access to products you…
Money Management
18 Jun 2019
How to Cancel A Direct Debit
What is a Direct Debit? A Direct Debit is form of payment authorised by the Financial Conduct Authority (FCA). It involves a set amount being transferred from one bank account to another on an agreed date. Direct Debits are typically…
Money Management
6 Jun 2019
How to Reduce Your Spending
There are many reasons why we might want to reduce our spending. Some of us might live on a tight budget, and need to cut down on spending for essential items without borrowing more money. Others might want to cut…
Money Management
23 May 2019
Five steps to helping self-employed clients with debt advice
With the number of self-employed individuals at record levels, Nick Payne, Insolvency Practitioner at free debt advice provider PayPlan Bespoke Solutions Limited, explains how self-employed clients need a tailored approach. The BBC has reported that the number of self-employed workers…
Living in Debt
10 May 2019
Budgeting with a Debt Management Plan
What is a DMP? A Debt Management Plan, or DMP for short, is an informal arrangement between you and your creditors. Although not a legally binding agreement, firms who set up Debt Management Plans need to be authorised and regulated…
Debt Facts
10 May 2019
How long does it take to improve credit score?
Having a low credit score affects your ability to take out credit. You can always improve your credit score, but you’ll need to take some steps to achieve this. What is a credit score? A credit score is a numerical…
Industry News
3 May 2019
Couples who make a claim for pension credit NOW could save up to £7,280* per year
Living in Debt
25 Mar 2019
How to Get Out of Debt and Spring Clean Your Finances
The January blues have subsided and the sun is coming out. The temptation to loosen the belt and relax your spending habits is undeniable. Here at PayPlan we’ve put together a list of financial top tips for creating and staying…
Money Management
18 Jan 2019
Consolidating credit card debt – our top 5 tips
Feeling blue after getting into the red over the festive period? Fear not, there are lots of things you can do about problem credit card debt to get you back on the path to financial freedom in 2019.Assess your situationThe…
In other news
11 Jan 2019
Big Energy Saving Week – how could you save money on bills?
What is Big Energy Saving Week?Big Energy Saving Week (BESW) is a national partnership campaign aimed at helping people to understand their energy use and get cheaper energy bills. BESW offers helpful links to compare energy bills, as well as…
Money Management
23 Apr 2018
Our favourite cheap food items!
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…
Money Management
10 Apr 2018
Our Debt Heroes Top Tips on Budgeting and Saving Money
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…
Money Management
8 Mar 2018
A guide to getting rid of your credit card debt
Important Update (June 2025):This blog was originally published in 2019. Since then, there have been important updates to IVA (Individual Voluntary Arrangement) protocols and guidance. While much of the information below may still be useful, some details may now be…