Living room


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.

Mark Haddock – Client Case Study

Written by Rich Wells

When Mark’s ex-wife left she took with her his 10 credit cards and ran them all up to their limits, leaving him with a debt of £64,000.“I tried to cancel the cards but the banks told me they could only do that if I physically handed them over,” said Mark (50).  “Even as an unauthorised…

Errol Barker – Client Case Study

Written by Rich Wells

Errol Barker (51) is an HGV lorry driver from Clacton-on-Sea.  He was earning a good wage while working in London but when his wife Angelina became ill with depression he had to give it up and take a job nearer home at a much-reduced salary.With a mortgage to pay, two cars to run and four…

Client Case Study – Janice

Written by Ruth Vernon

Janice* (43) works in sales and found herself in debt after relying on credit cards to fund her lifestyle.  She previously worked in London, was earning a good wage but admits getting credit was “far too easy.”“I ended up with five cards in total,” she said.  “I’d transfer the balance of one to a 0%…

Prepaid debit cards

Written by Ruth Vernon

Are prepaid debit cards a viable alternative to a ‘traditional’ basic bank account?If you’re in the process of sorting out a debt solution, you may need to think about switching bank accounts – this is especially important to consider if you’re in debt to the same bank or building society which operates your existing current…

How will the new Tory government affect your wallet?

Written by Ryan Benbow

 As David Cameron finalised his Cabinet reshuffle, the Chancellor, George Osborne, was preparing to push ahead with his austerity plans as outlined in his March budget.  However, the full effects of the proposed £12bn welfare cuts won’t be presented to parliament until the Queen’s Speech on 27 May so until they’re announced we’ve taken a…

Pensioners Struggle to make ends meet

Written by Ruth Vernon

Almost a million people in the UK will die in debt, many of them pensioners who struggle daily to make ends meet.  In today’s Daily Mirror reporter Tricia Phillips speaks to Jane Clack, our Money Advice Consultant, and PayPlan client David Barber, about what happens if you die in debt and what options are available to…

Craig’s Story

Written by Ruth Vernon

Craig Collins, from Leicester, found his debts increasing after being made redundant.  Now on a Debt Management Plan with PayPlan, he’s getting to grips with what he owes.  Read his story below.After graduating from university Craig (42) worked in the licence trade for 18 years before being made redundant.He soon found a job with British…

General Public Believe Cameron Can’t Budget

Written by Ruth Vernon

Ahead of this week’s general election, we quizzed 12,000 people struggling with money on how they thought the party leaders would deal with living on a limited budget.See the results in our infographicWhat do you think?Share your comments below. 

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…


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 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 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…

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