Should I be worried about my credit rating while on a DMP?

posted by James in Living with debt 50 Comments

Our advisors have been giving debt advice for over 25 years. In that time they’ve talked to people from every walk of life who’ve fallen into difficulty with their finances.

Over the years we’ve spoken to lots of people who feel like having a good credit rating is a sign that they’re a good person.

They therefore think that by damaging their credit rating this will somehow make them a bad person.

We’ve never believed this viewpoint, and we don’t think you should either.

Can I get a car when I'm in debt

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5 achievable ways to reduce stress

posted by Jenn Snowden in Living with debt Leave a comment

We all know the benefits of reducing our stress levels. The problem is, it’s much easier said than done, especially if you’re already feeling the pressure.

With this in mind, we’ve put together some tips for reducing stress in your everyday life. First, let’s take a look at what stress is and why it shows up in our lives…

walk in nature

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The truth about not paying your debts

posted by Matthew in Living with debt Leave a comment

This page contains information about debt solutions available in England, Wales and Northern Ireland. Debt advice in Scotland involves similar but different solutions. Before considering an IVA as a debt solution, please make sure you fully understand the risks involved when entering an IVA.

Most people who suffer with debt problems have lots of things in common, one of them being that they want to pay their debts off but can’t.

Every now and again we come across people who think that by ignoring their debt, it’ll go away. They may have heard it from a friend or family member, or read it on some (not always well-meaning) forum.

It can be tempting to take a cue from the ostrich, and bury your head in the sand to avoid your debts. However, pretending your problems don’t exist can cause a lot more harm and stress than seeking the support you need.

woman cake shop

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How to budget your money

posted by Becca in Budgeting Leave a comment

The first step to getting in control of your finances is to create a budget. This will help you understand what your income is, and what you’re spending your money on each month.

Let’s take a look at what budgeting is and go through a step-by-step guide to making a budget.

how to budget

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6 ways for stay-at-home parents to make money

posted by Money Magpie in Making money Leave a comment

Stay-at-home mums and dads are some of the busiest people on the planet. Switching roles between tear-wiper and hug-dispenser to lunch-yielder and ponytail-architect doesn’t leave lots of room for making some extra cash.

Fret not! Our pal Kamal Khurana from is here to give parents a helping hand…

kids occupied this summer

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I’m in debt and facing redundancy. What do I do next?

posted by Jenn Snowden in Budgeting Leave a comment

Earlier this month Littlewoods’ owner, Shop Direct, announced plans to close multiple sites. We’ve also seen similar announcements from Debenhams, New Look, Homebase, Toys R Us and the ‘big four’ supermarkets – Tesco, Asda, Morrisons and Sainsbury’s, to name a few – in recent months.

The impact of Britain’s declining high street could see thousands of jobs and families affected.

For most people, the thought of redundancy and managing on a reduced income is a worrying one. But, if you’re already having money troubles and now you’re facing redundancy, you might see your self-esteem drop, feel isolated or struggle to keep a positive attitude.

We know it’s easy to say, but redundancy isn’t your fault, and you’re not alone. What should you do if you’re in debt and facing redundancy?

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Totally legal ways to get free movies, TV shows, books and music online

posted by Rachel in Saving money 3 Comments

The internet is brilliant. It makes our lives so much more convenient with things such as online shopping, instant messaging, live news updates and cheeky celebrity gossip – all at our fingertips within seconds.

It connects us with people we may never have met otherwise. It also opens the door to tons of other great things (including free debt advice of course).

With the sheer influx of handheld gadgets at our disposal, our appetite for free entertainment has never been greater. Getting free stuff to watch, read and listen to doesn’t require donning your cyber pirate hat though (naughty naughty!).

You can get lots of electro-goodies completely free – and totally legally. Here’s how…

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