Welcome to PayPlan’s debt advice blog!
Our blog covers the latest news at PayPlan, tips to help you save money, our latest press releases, expert insight and everything in between.
Policy
24 Apr 2026
Gambling harm and debt advice: Challenging stigma and ending the silence
News and Stories
14 Apr 2026
The Two-Child limit Universal Credit Child Element has ended
The two‑child limit on the Universal Credit child element has ended from 6 April 2026. If you receive Universal Credit, you may be concerned about what that change means for you. Here, we’ll discuss some of the changes and how…
News and Stories
25 Feb 2026
Ofgem Lowers Energy Price Cap
Every three months, Ofgem reviews the energy price cap. The cap limits the maximum amount suppliers can charge per unit of gas and electricity, as well as the daily standing charge.From 1 April, the price cap will fall by 7%,…
Living in Debt
25 Feb 2026
Support when you’re juggling family life
Balancing family life and finances isn’t always easy. If money worries are adding pressure at home, it’s important to know what support is available. Getting the right help can ease financial worry and give you more space to focus on…
Living in Debt
5 Feb 2026
Supporting parents’ mental and financial wellbeing
Following Parents’ Mental Health Day at the end of January, it’s a timely reminder that while becoming a parent can be one of the most rewarding experiences in life, it can also bring significant pressure, worry and emotional strain.For many…
Money Saving Ideas
22 Jan 2026
How can I stay warm this winter without high heating bills?
With the rising cost of energy, many households are finding it increasingly difficult to afford their heating. If you’re worried about keeping warm without increasing your energy bills, you’re not alone. This guide explains what help is available and shares…
Industry News
19 Jan 2026
Blue Monday: Support when things feel harder
Debt Facts
15 Jan 2026
Rising Use of Bailiffs for Council Tax Debt
The use of bailiffs to recover unpaid council tax has increased significantly in recent years. Bailiff action can be stressful and confusing, and many people struggle to find clear, accessible support. This rise has prompted questions about why enforcement has…
Debt Facts
14 Jan 2026
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…
Money Management
19 Dec 2025
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…
Money Management
2 Dec 2025
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…
Industry News
26 Nov 2025
Budget 2025: Here’s what you need to know
The government has shared some new changes in the Budget today. This simple guide explains what they mean so you can plan ahead.Wages, benefits, savings and pensionsWages are going up. From April, the legal minimum wage for over-21s to rise…
Money Management
7 Nov 2025
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…
Money Management
6 Nov 2025
How to write a budget that works
News and Stories
3 Nov 2025
PayPlan named Debt Advice Provider of the Year
We’re incredibly proud to share that PayPlan has been named Debt Advice Provider of the Year at this year’s Credit Strategy Collections & Vulnerability Awards.The awards recognise organisations that go above and beyond to support people in financial difficulty –…
Industry News
3 Nov 2025
Encouraging open conversations about money
From 3rd-7th November, we’ll be supporting Talk Money Week – a national campaign that inspires people to talk more openly about their finances.Every day, we speak to people who are worried about paying bills or who would like support setting…
Money Management
30 Sep 2025
Why is my food shop still so expensive?
Food inflation within the UK has increased again, rising 4.9% year-on-year in July 2025, marking the highest rate since February 2024. Over the past five years, food prices have climbed by an average of 37%, with some household favourites seeing even sharper…
Money Management
18 Sep 2025
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…
Industry News
11 Sep 2025
Struggling with council tax? Here’s what you need to know about changes to the system
If you’ve ever fallen behind or felt overwhelmed by your council tax bill, you’re not alone. Many households across the UK are finding it hard to manage, especially as the cost of living continues to stretch budgets.The good news is…
Money Management
28 Aug 2025
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…