About James

James Winterbottom has been a debt advisor for six years. Away from work he is an amateur app developer and writes fiction. James is a lifelong supporter of Huddersfield Town football club, which suggests he is either very loyal or very daft. He also likes to talk about himself in the third person in bio pages.

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My most recent posts

Our 14 favourite tweets from our 25th birthday celebrations

posted by in Debt news Leave a comment

On the 25 January, we celebrated our 25th anniversary.

We were pleased as punch with all the birthday wishes we received, and here are some of our favourites. Continue reading »


Happy 25th anniversary StepChange

posted by in Debt news Leave a comment

We’re celebrating our 25th birthday today! To celebrate, we’ve put together a video with some of our colleagues about the work we do.

It’s only a couple of minutes long and will help you to see why we’re so proud of everything we’ve achieved over the last quarter of a century.

Continue reading »


Overdraft debt: what to do if you’re constantly overdrawn

posted by in Living with debt 1 Comment

In 2016, we published research which shows that 2.1 million people were stuck in their overdraft for the whole year. Sound familiar? We should be able to help.

Our research about overdrafts revealed that many people are stuck in their overdrafts, locked in a cycle of borrowing that’s hard to break free from. Overdrafts are meant to be dipped into occasionally to help with a short-term problem, but millions are relying on them to cover basic living costs.

But what can you do to try and get ‘back in the black’? We investigate four steps you can take to help.

cash machine

Continue reading »


Jam-jar budgeting: The simple trick to organise your finances

posted by in Budgeting Leave a comment

We’ve talked in the past about ways you can use technology to help you budget, but there’s one particular bit of tech that’s been around for hundreds of years you can use too. The jam jar. Or, more accurately, a few jam jars.

My Grandma used this method to manage her household finances. She didn’t have a lot of money when she was younger, but she used jam-jar budgeting to keep track of her money and she always knew how much she had.

how to budget using a jam jar Continue reading »


What to sell on eBay

posted by in Making money Leave a comment

In this article we’ll look at what sells on eBay, but if you’re new to eBay read our guide how to make money on eBay first.

Mario, luigi and yoshi

Continue reading »


MoneyAware news: July 2017

posted by in Debt news Leave a comment

What’s happening in the world of debt and money news? We’ve got a round-up of the most important stories this month… Continue reading »


Can I get a mortgage while on a DMP?

posted by in Living with debt 62 Comments

This has been one of our most successful articles since it was first written in 2013, so we’ve updated and republished it for 2017.

Can you get a mortgage on a DMP?

Can I get a mortgage on a DMP?

Being in debt doesn’t mean that you can’t have dreams. So if you’re in debt and hoping to get on the property ladder then it’s natural that you may think “Can I get a mortgage if I’m on a debt management plan?”

There isn’t an easy answer to this question because every situation is different.

However, we can tell you a bit about what your chances are.

Continue reading »