About Charlotte Bjorndal

Charlotte joined us in 2010, working on Helpline for a year until moving to Advice Plus, where she gives post-appointment support to hundreds of our clients every week. Charlotte loves watching movies, baking, sewing and trying anything crafty – particularly if it involves giving a new lease of life to old/broken things.

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My most recent posts

9 cheap, easy and homemade hair rescue remedies

posted by in Saving money Leave a comment

Give your hair some loving!

Give your hair some loving!

With all these hectic festive goings on to contend with, you’d be forgiven for letting your hair fall prey to the elements. Winter is far from a follicle’s best friend, and can leave our locks looking dry and tired. With all the get-togethers we’ll be attending, this simply won’t do! 

But here’s the rub…all those fancy hair treatments we see in the shops can seem a bit of a frivolous purchase when you’re trying to stick to a budget.

It’s all very well for our hairdressers to insist we abstain from the cheap stuff with all its chemicals, but when things are tight, lustrous locks are the least of our problems.

I’ve been doing some internet detective work, and it turns out there are some fantastically thrifty home remedies to keep your tresses in check. I even have some of my own tricks of the trade to share too…

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How I supported my partner through redundancy

posted by in Living with debt Leave a comment

You can get through this by working together

You can get through this by working together

Redundancy is far from a pleasant thing to deal with. That’s why it’s important that a person going through redundancy gets the support they need from their partner – emotionally as well as financially. How do I know this? Because in 2012, out of the blue, it happened to us.

I remember my husband telling me he’d been made redundant like it was yesterday. He looked so worried, so uncertain of what lay ahead. We hadn’t had any major money worries since we were students, and now it would be up to me to keep us trucking along until he found work again. I had this dull, heavy feeling in the pit of my stomach thinking about how we would cope.

Thankfully my hubby was able to find work within a few months, but not before we learned some very valuable lessons about our finances during his time out of work.

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My 4 favourite cheap homemade beauty products

posted by in Saving money 1 Comment

Natural beauty products

Pamper yourself with these thrifty beauty tips

When you’re on a budget it can be difficult to justify a bit of pampering. Over time however, I’ve found that many kitchen cupboard fillers can be used to make brilliant beauty products for a fraction of the price.

Here are some of my favourite ideas which can be adapted to suit you or whatever you happen to have lying around in your cupboard.

I always recommend trying a small patch test first and of course don’t add anything in that you know already irritates your skin! Continue reading »


The 5 things you need to do before going bankrupt

posted by in Living with debt 13 Comments

UPDATE 5 April 2016: This article was originally published in March 2014. The bankruptcy application process for people living in England, Wales and Northern Ireland is changing in 2016. Visit our bankruptcy changes page for more information.

Don't get tripped up by a bankruptcy pitfall

Don’t get tripped up by a bankruptcy pitfall

If you’ve made the decision to go bankrupt then it’s important for you to prepare yourself for the big day. It’s also key that you take care of any loose ends that could potentially trip you up.

We want to make sure you take all the right steps before you commit yourself to bankruptcy.

This simple guide will give you a few handy tips to make sure that you’re prepared.

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