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…

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…

Avoid the ‘invisible money’ trap

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…

A guide to paying off your overdraft debt

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…

Five easy ways to keep your money in check

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…

Getting Savvy About Priority Debts

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…

Looking After The Pennies in 2018

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

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…

How To Save A Little Each Day

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…

Staying out of debt

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…

Fresh out of university – finding your financial feet

For graduates straight out of university, it can be a difficult time financially. In today's post we look at why graduates are struggling and what they can do to find their feet.

Creating a debt plan: What you need to know

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…

Managing your finances: A guide to budgeting

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…

Gas, Electricity and Water: Staying Out of the Red

Today's post looks at how to handle high utility bills. Many people will often opt for monthly payment plans for their gas and electric bills but is this the most efficient way of budgeting or could you save more money…