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

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 63 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 »


We test apps that can save you money in 2017

posted by in Saving money 1 Comment

Mobile phones can be expensive but you can also use them to save money. We’ve found four apps that can help you save money in different ways. From tracking your spending to sourcing out cheap restaurant food, we’ve got apps that can help you save a few quid.

We each picked a money-saving app, downloaded it and put it through its paces. Our reviews tell you the good and the bad about each, and how we got on with them. Continue reading »


Debt and money news – May 2017

posted by in Debt news Leave a comment

This month’s news has been dominated by the upcoming general election, but if you dig beneath the surface there’s still plenty going on in the world of debt and money.

We’ve scoured the web to find the most interesting stories that could have an impact on your wallet, without a mention of the general election to be seen (apart from when I mentioned it just then). Continue reading »


7 spending habits that could be costing you thousands

posted by in Saving money Leave a comment

spending habitsEveryone likes a little treat every now and again, but when you add them all up it can cost you an awful lot of money. Even something as small as a coffee a day could cost you hundreds of pounds over a year.

Little habits can add up to big costs. That’s why we wanted to highlight some of the bad habits that will leave you wondering where all your money has gone.
Continue reading »