• Welcome to PayPlan’s debt advice blog!

    The PayPlan Blog is a vibrant social space to chat, share tips and pick up new ideas to live well on a budget. From free things to do with your kids this weekend to a big meal on a small budget, we’ll be sharing all of our ideas with you. And most importantly – we want you to share your top tips with us!

    So, what are you waiting for? Come in, make yourself comfortable, grab yourself a cuppa and get involved in the chat.

  • 2021 budget

    What could the 2021 budget mean for your finances?

    Written by Tom James

    The Chancellor announced the budget on 3rd March 2021 to outline the Government’s financial plan for the coming year and beyond.The announcement was highly anticipated by millions up and down the country, including workers, businesses and low-income households negatively affected…

  • From one budget, to another

    From one budget, to another

    Written by Lizzie Marlow

    The 2021 Budget is a time for government to set out their spending plans for the year ahead. But, much like the rest of the year, the nation’s ongoing health and finances crisis is likely to take centre stage.So, to…

  • PayPlan debt and redundancy guide

    New virtual enforcement powers for bailiffs

    Written by PayPlan

    Virtual bailiffs visits to reduce Covid-19 spread Thanks to a High Court ruling in January, bailiff visits no longer have to be done by a bailiff coming round to your house – they can now be done via Zoom, FaceTime or…

  • 2021 budget

    Financial education needed after Buy Now Pay Later clampdown

    Written by Tom James

    PayPlan welcomes the FCA’s decision to clamp down on Buy Now Pay Later (BNPL) credit. They are calling for stronger financial education in the sector.What has happened?The FCA stepped in to help better protect consumers from BNPL debt and other…

  • 2021 budget

    Financial Wellbeing hub launched

    Written by Tom James

    PayPlan launches Financial Wellbeing hubDebt is a major problem in the UK. The effects of Coronavirus over the past 12 months has caused more people to fall behind on repayments and require support with managing their money and mental health.…

  • couple calculating finances

    Debt Relief Order (DRO) – Changes to Qualifying Criteria

    Written by Niall Davison

    New changes to DRO criteria from June 2021From June 29 2021, new changes were made to the qualifying criteria for Debt Relief Orders (DROs). They included:Raising the maximum  debt level for DROs from £20,000 to £30,000Raising the maximum asset levels…

  • 2021 budget

    How to beat Blue Monday in 5 steps

    Written by Tom James

    What is Blue Monday?Blue Monday is said to be the most depressing day of the year. But, spoiler alert, it is nothing more than a 16-year old marketing idea that has gone viral every year since it was made up.…

  • 2021 budget

    What to do if you’re struggling to pay your rent

    Written by Tom James

    With unemployment levels expected to reach a staggering 2.6 million by the middle of 2021, the sad reality is that many people across the UK will be struggling to pay their bills this year. Whilst redundancies are devastating for everyone,…

  • Savings and insurance

    Avoiding The New Year Debt Hangover

    Written by Jane Clack

    Jane Clack, Money Advice Consultant at PayPlan, shares her best tips and tricks to help you avoid the dreaded New Year debt hangover… It’s safe to say that 2020 hasn’t been easy for any of us, but there’s light at…

  • Winter financial wellbeing

    Winter Financial Wellbeing

    Written by Lizzie Marlow

    If this year has taught us anything, it’s to plan for the unexpected. At PayPlan, we’ve put together our top tips for looking after your financial wellbeing this Winter. Financial wellbeing isn’t just about what we spend, but it’s also…

  • BWP

    PayPlan team raises £1,500 for Broxtowe Women’s Project

    Written by Tom James

    The team at PayPlan have been busy raising money for East-Midlands domestic abuse charity Broxtowe Women’s Project (BWP).BWP offers support for individuals directly and indirectly affected by domestic abuse, but they also work with businesses (like PayPlan) to help staff…

  • Talk Money Week

    Let’s talk money!

    Written by Lizzie Marlow

    Between 9-13 November, the Money and Pensions Service (MaPS), runs its national Talk Money Week annual campaign to encourage us to all open up about money. Having the confidence to speak out, or knowing who to turn to, can really…

  • - Domestic Violence Disclosure Scheme

    What Will Happen When the Furlough Scheme Ends?

    Written by Will Lyon

    With the furlough scheme finishing at the end of October, the Government has put a new system in place to try and protect jobs – the Job Support Scheme (JSS). What is the furlough scheme? If you are on furlough,…

  • Today, GamCare has launched a new toolkit for organisations to support people affected by gambling-related financial harm.

    Toolkit to help people affected by gambling-related financial harm

    Written by Lizzie Marlow

    Today, GamCare has launched a new toolkit for organisations to support people affected by gambling-related financial harm.The leading gambling support charity’s toolkit is for financial institutions, gambling businesses and debt advice agencies across the UK. As a result, these organisations…

  • Types of credit and debt

    How to claim back tax if you’re working from home

    Written by Lizzie Marlow

    If you can work from home, then the government has advised that you do so. With winter just around the corner, here’s what you need to know about how to claim back tax when you’re working from home.What difference does…

  • Living on a reduced income

    Are you living on a reduced income?

    Written by Will Lyon

    We’re all very aware of the financial impact that Covid-19 has had on household budgets. From getting a reduced income to no income at all – it’s been a challenge. Here’s what you can do if you are living on…

  • 2021 budget

    Your Guide to Saving Money at Lunchtime

    Written by PayPlan

    One of the UK’s top money saving brands, vouchercloud, discovered that making lunch at home could save you around £1,300 a year.Their survey revealed that 62% of British workers chose to purchase their lunch during the week, costing over £1,800…

  • attending court when summonsed

    Why attend court when summonsed?

    Written by PayPlan

    In this guest blog, Alan Murdie, LL.B, Barrister discusses why he believes people should attend court when summonsed. When I was at Bar School in the 1980’s, we were essentially taught:“You will be a barrister with rights to appear in all…