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.
Debt Facts
21 Sep 2026
In work, in debt and shut out of saving: Many UK adults left with just £194 a month
Money Management
14 Sep 2026
Emergency funds: how to start saving for the unexpected
One unexpected bill or a boiler breakdown can throw everything off course, especially if turning to credit is the only option to deal with it. An emergency fund could be a safety blanket for costs like these that we just…
Money Management
7 Sep 2026
Planned cost funds: how to plan for costs that don’t happen every month
Some costs aren’t planned for in your monthly budget. But when they do, they can put pressure on other parts of your finances.It could be your MOT, a birthday gift, new school uniforms, or Christmas. You might know it’s coming,…
Industry News
26 Aug 2026
Ofgem energy price cap rises to £1,723 from October 2026
Ofgem has announced that the energy price cap will rise by 4% from 1 October 2026. On a like-for-like basis, typical household energy costs will reach their highest level in three years[1].For a typical household paying by Direct Debit and…
Money Management
17 Aug 2026
Starting university? A guide to managing your money this academic year
Starting university brings a lot of firsts. You might be moving away from home, meeting new people and managing more of your own money.It can be exciting, but it’s also a big change. Rent, food, travel, course materials and social…
Debt Facts
14 Aug 2026
Take control of your money by understanding interest
Whether you’re borrowing money or trying to save for the future, interest can play a big role in the decisions you make. Understanding it can help you make better choices, make the most of the earnings on your savings, and avoid repaying more…
Policy
15 Jul 2026
The Regulation of Buy Now Pay Later and the risk of unintended consequences:
Money Management
14 Jul 2026
Are subscription services draining your budget? Here’s how to check
Whether it’s your favourite streaming service, music app, cloud storage or meal kit, monthly subscriptions are designed to save you time and add convenience.But because these payments are taken automatically, it’s easy to lose track of how many you have…
Money Management
14 Jul 2026
Understanding your payslip and the common deductions explained
When you look at your payslip, it’s easy to focus on just the amount that hits your bank account. Understanding the deductions on your payslip can help you budget more effectively, spot any errors and feel in control of your…
Money Management
14 Jul 2026
Buy now, pay later usage rises by nearly 4,000% between 2020 and 2025
Buy now, pay later (BNPL) is now a common payment option at online and in-store checkouts. It is often used for clothing, homeware and everyday spending, as well as larger purchases. Used carefully, it can help spread the cost of…
Money Management
6 Jul 2026
Back-to-school budgeting: how to get ahead of the costs
For many families, the summer holidays have only just begun or will be soon, but the next big expense is already on the horizon. From uniforms and stationery to transport and lunches, the cost of sending children back to school…
Living in Debt
15 Jun 2026
Money worries and men’s mental health: The link we need to talk about
Research from the Money and Pensions Service suggests that one in five men feel anxious about their financial situation1. This Men’s Health Week, we‘d like to explore the connection between finances and men’s mental health, as the two are often…
News and Stories
12 Jun 2026
Summer holidays can be expensive: Here’s how to save
As summer approaches, many of us begin to look forward to warmer weather, time off, and making memories with family and friends. At the same time, it can also bring added financial pressures. Costs such as holidays, childcare, and activity…
Policy
3 Jun 2026
Domestic Homicide Reviews and the role of financial organisations
Money Management
1 Jun 2026
When the fun stops: What football fans should watch out for this World Cup
The World Cup is fast approaching, and for many people, it’s an exciting time, but this can also be a challenging time for someone affected by gambling. A Nationwide survey found that many people are expected to bet more in…
Industry News
28 May 2026
OFGEM Energy Price Cap update: what the changes might mean for you
OFGEM has today announced a 13% increase in the energy price cap, raising it from £1,641 to £1,862, and increasing average energy bills by an extra £18 a month from 1 July 2026.Wholesale prices increased sharply in February and March…
Industry News
18 May 2026
The King’s Speech – What’s been announced?
On 13 May, the King delivered his annual speech to Parliament, which has two main roles: opening a new parliamentary session and setting out the government’s legislative priorities for the months ahead.In the speech, the government set out its approach…
Money Saving Ideas
13 May 2026
Saving money on your essential costs
Making sure you can cover all the essential costs of your home can be tough, but it’s important to remember that support is always available to you if you find yourself unable to make ends meet. Here, we’ll discuss some…
Industry News
7 May 2026
What to expect if PayPlan refers you to Bipolar UK
Financial difficulties and mental health challenges are often deeply connected. That’s why, when we support someone living with bipolar, we want to make sure they also know about the wider help available to them.The following guide has been written by…
Policy
1 May 2026
Economic Abuse and building financial resilience through raising awareness
We understand that debt advice isn’t a tick-box exercise – it’s a journey based on clients’ needs and wants, incorporating safe pathways to advice for Domestic and Economic Abuse as appropriate.But what is Economic Abuse, and how has the prevalence…