Monthly Archives: March 2017

Our latest research: You’re not alone in debt

posted by in Budgeting Leave a comment

StepChange Stats yearbook 2016As well as providing debt advice, we regularly produce research into personal debt trends in the UK.

The Statistics Yearbook, released twice a year, is one of the most important pieces of research our policy team produce, and the 2016 edition is released today.
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Reclaim PPI for free

posted by in Making money 67 Comments

Check your credit agreementYou’ve probably heard about the mis-selling of payment protection insurance, the “reclaim PPI” adverts, and the huge refunds some people have received. Because of the big payouts that some people are entitled to, claims management companies have sprung up, trying to earn commission by claiming refunds for you.

But reclaiming PPI isn’t as difficult as you might think, and we highly recommend that you reclaim any mis-sold PPI yourself. It’s free, and we can show you how.

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Planning a baby on a budget

posted by in Budgeting 1 Comment

sleeping babyHaving a baby is one of the biggest changes that can happen in your life and with the costs of raising a child going up, it’s important to plan ahead.

Hormonal ups and downs bring feelings of excitement, anxiety, nervousness, elation and fear; but along with managing all these emotions your finances play a massive part in preparation for a baby.

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Beauty essentials on a budget

posted by in Saving money 2 Comments

It’s easily done; you go to the chemist because your mascara has run out and you end up being seduced by the latest wonder cream or new lipstick. Before you know it you’ve gone way over your budget and you’re filled with buyer’s remorse. 

If you’ve done this more times than you care to admit, we’re here to help.

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Top 5 debt and money news stories in March

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The Spring Budget, zero hour contracts and a 30-year low in homeownership were just some of the biggest debt and money-related news stories this month.

Alongside that there’s news that families in England and Wales are spending more on their bills than food…

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10 things your Nan can teach you about budgeting

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As much as I loved my Nan when I was growing up I always thought she was a bit of a skinflint.

I have vivid memories from my teenage years of being embarrassed when she’d take me into charity shops, and annoyed when she’d nag me to switch off lights. I’d roll my eyes and sigh; 14-year-old me just didn’t care about saving money.

Twenty years later and I understand why she was always being thrifty: she believed in saving on the little things in life so that she could build a nest egg. Sadly my Nan is no longer with us, but I think some of the budgeting tips she taught me are timeless.

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How to budget on a fluctuating income

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Whether you’re working flexible hours because it suits your lifestyle or you’ve been unable to find a full time contract, living off a fluctuating income can be a challenge.

Not knowing what your take home pay will be each week or month can make budgeting difficult, and sometimes this uncertainty can push you into debt. Here we talk about how you can budget even when you’ve got a fluctuating income.

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