Blog | Free Debt Advice

Living in Debt 14 Mar 2018

Protecting your finances if you get made redundant

Debt Facts 12 Mar 2018

Changing energy suppliers when you’re in debt

We all want to pay less for our energy – especially in the winter months – but what if you’re looking to change energy supplier but still owe them money?Whether it’s a new debt from your most recent bill that…

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…

Client Stories 6 Mar 2018

Case Study – Katie

Katie (30) reached out to PayPlan when she was 25 years old, and had £12,000 worth of debt. Katie went to university and when she graduated had a student overdraft of £2,000 as well as a credit card. At the…

Industry News 5 Mar 2018

FCA warns of interest-only mortgages

Around 1 in 5 of all mortgages are interest-only and the industry’s regulator is worried that consumers are at risk of losing their homes. The Financial Conduct Authority (FCA) is urging people to speak to their mortgage providers if they…

Industry News 27 Feb 2018

New credit card rules estimated to save consumers millions

The Financial Conduct Authority (FCA) has published new rules for the credit card market and is estimating consumers will save between £310 million and £1.3 billion a year in lower interest charges. The changes announced today will offer more protection…

Client Stories 26 Feb 2018

Case Study – Richard

Money Management 23 Feb 2018

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…

Client Stories 15 Feb 2018

Case Study – Scott

Scott (32) came to PayPlan 5 years ago with £6,000 worth of debt. The majority of his debts were with credit cards, payday loans and catalogues. At the time, he was also in a relationship with someone who was constantly…

Money Saving Ideas 8 Feb 2018

Six Tips for Saving Money During Half Term

Today our guest blog is from Charli, who writes over at One Wage Family, here she gives us her top tips for saving money with the kids over half term! Another half term is nearly upon us and that means…

Money Management 6 Feb 2018

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…

Client Stories 1 Feb 2018

Case Study – Luke

Luke (44) had around £14,500 worth of debt when he first came to PayPlan in 2010. Luke was in full-time employment, but his partner had a long term illness, which required both financial and emotional support. Although after some time…

Money Management 23 Jan 2018

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…

Money Management 19 Jan 2018

Can and should you pay your mortgage with a credit card?

In other news 12 Jan 2018

Blue Monday – Looking after your mental health and beating the January blues

Blue Monday is said to be the most depressing day of the year. Here at PayPlan, we understand that those who live with mental health issues aren’t dictated by a specific date. If you are feeling particularly down during the…

Living in Debt 21 Dec 2017

Case Study – Chris

Chris (36) had over £80,000 worth of debt when he reached out to PayPlan for help over 6 years ago. His debt problems started when his commission based job changed. Chris was a wealthy man with a large income of…

Living in Debt 20 Dec 2017

Kids Have to Deal with Debt too

Loss of a job? Change in circumstances? Or just the sheer volume of debt that becomes unmanageable? Whatever the reason you got into debt, it’s not just you it has an impact on. While, as a grown up, you’re the…

Living in Debt 17 Dec 2017

How to know when your debt is too much

For many of us, our list of outgoings usually feature some sort of debt repayment. It could be the mortgage on our home, a credit card bill or a personal loan. But while we understand debt is an everyday part…

Debt Facts 15 Dec 2017

What is a third party debt order?

As soon as you hear the word court, alarm bells may start to ring. But if the court system is involved in your debt struggles, it’s important to understand the facts and keep a level head.If you are late on…

Money Management 13 Dec 2017

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…

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