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.
Money Saving Ideas
2 Nov 2012
Top 5 tips for staying out of debt as a student.
Money Saving Ideas
30 Oct 2012
Protect my PC for free
As we all know, budgeting often comes down to the smallest and obscurest of things. There are opportunities to save in every aspect of your life at home and, while it may not seem like a particularly damaging expense to…
Money Saving Ideas
17 Oct 2012
Top tips to cut impulse buying.
When you are out shopping it is easy to get carried away and give in to all temptation. In these tough economic times giving in can have knock-on effects and consequences that ruin your carefully constructed budget. This latest blog…
Living in Debt
12 Oct 2012
What do I do if I fall into arrears with my rent?
In these tough economic times, families are finding it increasingly difficult to keep on top of their monthly outgoings as the cost of living keeps rising and wages are staying the same. It is no surprise then that more than…
Living in Debt
1 Oct 2012
What to do if you fall into arrears with your… utility bills.
In these tough economic times, families are finding it increasingly difficult to keep on top of their monthly outgoings. According to statistics on IncomeMax 4.75million households in the UK are living in fuel poverty. With this many people in poverty,…
Living in Debt
21 Sep 2012
Credit Rating Myths
Credit ratings and reports are complete minefields with so much incorrect information available. Whether you are looking to take out credit or trying to repay debts it is important you understand your credit report and how it works.
Industry News
21 Sep 2012
Why iPhone 5 Users May Be More Prone To Debt [Infographic]
Money Saving Ideas
17 Sep 2012
Are we a nation of Shopaholics and “Comfort” spenders?
As a woman I am well aware of the dangers that "comfort" shopping can bring. A bad day at work, bad mood, row with the other half or general stress from life; anything can trigger that feeling of emptiness that…
Living in Debt
12 Sep 2012
Can I reclaim PPI whilst in a Debt Management Plan?
A question that regularly crops up from our clients is "can I reclaim mis-sold PPI?" The answer is quite simply, yes. Being in a DMP does not make the reclaiming process any more complicated, as opposed to those that are…
Competitions
5 Sep 2012
Top five questions on… Bailiffs
Bailiffs can be one of the biggest worries if you are in debt. The potential threat from a creditor can leave you fearing what could happen if they send bailiffs round. The biggest problem many people have is that they…
Debt Facts
30 Aug 2012
What to do if you are self-employed and struggling to make ends meet
If you're self-employed and struggling to pay all your bills, you're not alone. There are a record 4.2 million workers who are self-employed and many are finding it difficult to make ends meet.
Money Saving Ideas
22 Aug 2012
Back to school on a budget
It is that time of year again as we pack the children back off to school. On one hand we are relieved to have a bit of peace and quiet and a bit of normality back, but on the other…
Debt Facts
15 Aug 2012
The truth behind the top 20 debt myths
In the 21st Century it is easy to use the internet to get answers to important debt questions. However, it is also easy to come across incorrect information which can have dangerous consequences.
Archive
1 Aug 2012
The Cheapest Meal in the UK
Money Management
24 Jul 2012
The Payplan guide to reducing your outgoings.
Families are struggling with wage rises frozen, but the cost of living on the up, and many are turning to loans or credit as a way to deal with essential payments.
Debt Facts
13 Jul 2012
How do I… apply for a Trust Deed?
For people living in Scotland they have other debt solutions available to them to help when they are in financial difficulty. A Trust Deed is one of these solutions and allows you to pay your creditors back at an affordable…
Money Management
11 Jul 2012
How do I… get out of debt and stay out of debt?
Getting into debt can be easy, one thing leads to another or something unexpected occurs and things spiral out of control. Before you know it, you are no longer able to afford all of your creditor commitments. Getting out of…
Living in Debt
4 Jul 2012
What should I do about my council tax arrears?
In recent years at Payplan we have seen a rise in the number of clients coming to us owing council tax arrears. This is often due to a number of factors, including a drop in income or an unforeseen increase…
Archive
29 Jun 2012
A day in the life of… a Client Liaison Officer
I work in the client support department dealing with Debt Management Plans (DMP). My role is to make sure our clients' income and expenditure details are up to date and sustainable and to look for any opportunities to save money…
Living in Debt
27 Jun 2012
Can I go on holiday once in a Debt Management plan?
Being in debt and in a plan such as a Debt Management Plan (DMP) or an Individual Voluntary Arrangement (IVA) can mean that many will have to change the way in which they spend and make cut backs.