Living room

Welcome!

The Living Room 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 Living Room.

Loyalty points can save you cash

Written by Ruth Vernon

 You might already have a few supermarket and store loyalty cards in your purse but are you aware there are others that could help you accrue points and save you cash?Greggs launched its own loyalty scheme last year and with their Rewards account you can get free breakfasts and free drinks.  You’ll be entered into…

TOP TIPS FROM THE UK’S SMARTEST SHOPPER

Written by Ruth Vernon

In November 2014 Jennie Hammond, from Belfast, Northern Ireland, was crowned the UK’s Smartest Shopper by online voucher company Savoo.  As well as working full time she writes and maintains a money saving blog at www.embarrassingbudgets.co.uk and in her first blog for the Living Room she talks about her own experience of being in debt…

Experian Twitter Takeover

Written by Rich Wells

Do you have a question you would like to ask Experian? Join us on Twitter at @Payplan between 12.30- 1.30 pm on Friday 17th April for a live Twitter Q & A session with Experian Expert James Jones.  Simply submit your credit-related question and you will be entered in to our prize draw for a chance…

Easter entertainment – through the eyes of a child.

Written by Tracey Davies

It’s the Easter holidays and if you’re already stuck for ideas on how to keep your children entertained without breaking the bank, then look no further.We asked groups of local schoolchildren to give us their best ideas on what they like to do without even leaving the house.Family spa day using products you already have.Picnic…

Client Testimonial – George

Written by Rich Wells

Sixty-three year old *George got into financial difficulty when the recession hit.After a long career as a lorry driver spanning four decades, George decided to set up on his own business in 2003. He purchased a brand new van and travelled all over the country for different haulage companies.But when the recession hit, customers started…

How to rebuild your credit rating

Written by Darren Beach

Rebuild your credit rating after being in debt. If you’re recovering from being in debt, then building up your credit rating is one of the key factors in helping you get your finances back on track.A good place to start dealing with debt – both to prevent it and to recover from it – is to…

Worried about an interest rate rise?

Written by Tracey Davies

Worried about how a rise in interest rates could affect you? No one knows exactly when it’s going to happen but take a minute to ask yourself whether you are prepared for when they eventually do? If not, don’t worry as there’s still time. PayPlan’s Rachel Duffey joined Experian Expert Darren Beach to discuss how you can…

Savvy saving

Written by Tracey Davies

Saving is very important and it seems like everyone is talking about the best ways to do it.But if like the majority of us, you’ve barely got any money left after paying your bills and food, how can you afford to get into the saving habit? Hopefully our handy hints can help: Get debt free…

School’s out

Written by Tracey Davies

Students from Marston Thorold’s C of E school near Grantham spent the day with us last Wednesday as part of a fundraising challenge.Money Advice Consultant & Union Liaison Jane Clack visited the local school to talk about planning and budgeting.She gave each of the children £10 and asked them to use the money to come…

Household debt is forecast to grow

Written by Rich Wells

 PayPlan were featured in ccrmagazine.com yesterday (Thursday 13 February) commenting on the TUC report that household debt is forecast to grow almost three times faster than wages over the next few years.Unsecured household debt is forecast to grow 4.5 times as fast as wages – by 70 percent between 2015 and 2019. It will reach…

PayPlan featured in The Independent

Written by Tracey Davies

 PayPlan were featured in The Independent newspaper on Saturday 7 February 2015. From being a victim of sexual assault, to losing a family member, to disease wiping out a business … financial trouble can invite itself into our lives and stay. Our Money Advice Consultant Jane Clack joined two of our customers to reveal how they found…

Making contact

Written by Tracey Davies

Since it launched in September 2014, contactless payments have been helping millions of people travel across London for cheaper.Originally introduced on the London buses in 2012, it has now been rolled out on the tube, tram, Docklands Light Railway, London Overground and National Rail services.So what does it mean for you?Another way to pay: There…

Curb your credit

Written by Rich Wells

It’s that time again when the credit card bills start landing on your doormat, reminding you that Christmas is a distant memory and all those indulgences now need to be paid for.It even has its own name in January – Blue Monday, as it’s purported to be the most depressing day of the year. Being…

10 ways to get fit for free

Written by Rich Wells

Can’t afford to commit to the gym?Not to worry, because the real key to keeping fit is simply to make the time to be active – and luckily there are plenty of ways you can do this for free! Read our 10 simple tips to see how you could be leading a more active lifestyle…

TAKING CONTROL OF YOUR DEBT IN 2015

Written by Tom Maplethorpe

Now the dust’s settled on your Christmas spending, it’s most likely that like many other people you want to start the New Year in a positive frame of mind. We take 30% more calls in January than we do in November, as people look to make a fresh start with their finances. What better time…

RING IN THE NEW YEAR ON A BUDGET

Written by Tom Maplethorpe

When Christmas finally comes to pass and garish, glittery jumpers get confined to the wardrobe for another 12 months, it’s time to party. What better way to see out the old and welcome in the New Year than with a get together with family and friends?The busiest and bubbliest party night of the year can…

Cracking Christmas ideas

Written by Tracey Davies

We announced the winner of our Christmas money saving competition on Thursday but as we received so many great entries and ideas, it seemed a bit of a shame not to share more with you.From practical ideas to heartfelt entries, there’s bound to be an idea to suit everyone so we’ve included a few of…

Christmas tip competition – the winner is revealed.

Written by Tracey Davies

When we asked you all to send us your favourite ways to save money at Christmas, we were inundated with great ideas.With just over a week to go until the big day, there’s still plenty of time to put some of them into practice.From practical advice to sentimental ideas, so many stood out.However after much…

SMART TIPS FOR A CHEAPER CHRISTMAS DINNER

Written by Ryan Benbow

 We’re racing towards yuletide and all the joy that Christmas brings. If your excitement and anticipation of the big day is a little clouded by thoughts of a hefty grocery bill, why not take a look at our thrifty guide to keeping your costs down?Food prices fell by a measly 0.2%* for the first time…

Winter warmers

Written by Tracey Davies

Christmas is just around the corner and Winter has definitely arrived.If you’re anything like me and do everything you can to keep to yourself as snug as a bug without your heating bill soaring, these tips should help.Don’t block the radiator: Arrange your furniture away from radiators so when the heating comes on you feel…

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