Generated by All in One SEO v5.0.0.1, this is an llms.txt file, used by LLMs to index the site.

# StepChange MoneyAware

Advice & practical tips to help you avoid debt, save money & budget

## Sitemaps

- [XML Sitemap](https://moneyaware.co.uk/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [Dear caller... our advisors write to Helpline callers](https://moneyaware.co.uk/2015/01/letters-to-clients/) - We asked our advisors to write to callers they'd just spoken with, or previous callers that had stuck in their mind for one reason or another
- [Common excuses that stop you from budgeting](https://moneyaware.co.uk/2019/10/common-excuses-that-stop-you-from-budgeting/) - Do you think you're bad at budgeting? Have budgets not worked in the past, or do they seem like a big hassle just to save money? Budgeting tips. StepChange
- [How I went from financial novice to budgeting king](https://moneyaware.co.uk/2019/06/how-i-went-from-financial-novice-to-budgeting-king/) - Our money-saving tips and budgeting ideas inspired Mark to make some savvy savings of his own. Here's how budgeting changed his life.
- [How to budget your money](https://moneyaware.co.uk/2018/06/how-to-budget-your-money/) - Find out how to budget your money. Learn how to make a monthly budget and follow our step by step guide to making a household budget.
- [6 changes I made to save money on my supermarket shopping](https://moneyaware.co.uk/2017/10/6-changes-i-made-to-save-money-on-my-supermarket-shopping/) - Saving money on supermarket shopping can be a challenge, especially when you're on a budget. Find out how I spend less on food and household essentials
- [DIY on a budget: 2. Revive your living room](https://moneyaware.co.uk/2014/07/diy-on-a-budget-2-revive-your-living-room/) - Revive your living room on a budget with these thrifty DIY ideas | Save money and decorate! | Second blogpost in the series from StepChange MoneyAware
- [Automated apps to make saving simple](https://moneyaware.co.uk/2017/06/automated-apps-to-make-saving-simple/) - Can virtual AI assistants help you save money? How do they work? Sara from Debt Camel has tested Plum and Chip, two of the latest chatbot AI assisted money saving apps
- [New CCJ rules – know your rights](https://moneyaware.co.uk/2017/10/new-ccj-rules-know-your-rights/) - New CCJ debt claim rules come into force in October 2017. What does the Pre-Action Protocol mean for you? Find out your rights. StepChange MoneyAware
- [Procrastination: is it keeping you skint and in debt?](https://moneyaware.co.uk/2019/10/is-procrastination-costing-you-money/) - What day-to-day tasks that we put off doing end up costing us money? Here’s the list of shame.
- [How to improve your chances of landing a fantastic job](https://moneyaware.co.uk/2017/02/how-to-improve-your-chances-of-landing-a-fantastic-job/) - Looking for a new job? Make sure you have a great CV, networking skills and confidence in interviews. You might be able to make your current job even better!
- [How you helped us get Breathing Space back on the agenda](https://moneyaware.co.uk/2017/05/how-you-helped-us-get-breathing-space-back-on-the-agenda/) - Over a thousand of our clients emailed their MP to ask them to take action on Breathing Space. Their help raised awareness of this much-needed legislation.
- [Consumer Council for Water’s top money-saving water tips](https://moneyaware.co.uk/2015/09/consumer-council-for-waters-top-money-saving-water-tips/) - Consumer Council for Water know a lot about saving money on your water and sewage bills. Senior Policy Manager Andy White tells you how.
- [MoneyMagpie's top 6 websites for freebie fanatics!](https://moneyaware.co.uk/2015/08/best-freebie-websites/) - Jasmine Birtles from Moneymagpie.com shares her favourite freebie websites and tips on how to find the best giveaways and samples so you can save money!
- [How to save money on your food budget](https://moneyaware.co.uk/2019/03/cheap-food-7-ways-to-save-on-your-food-budget/) - Is food inflation affecting you? Try our handy tips to make tasty cheap food, get better at food budgeting and make your weekly supermarket shopping last.
- [18 smart and easy ways to save money](https://moneyaware.co.uk/2016/11/18-smart-and-easy-ways-to-save-money/) - Meat-free dinners, leftover shampoos, cheap petrol and choosing the right time to book holidays. Try these smart, easy ways to save money and boost your budget
- [Student loans overpayments: How to claim a refund](https://moneyaware.co.uk/2019/08/student-loans-overpayments-how-to-claim-a-refund/) - Are you one of 510,000 people who are owed a refund on student loan deductions from wages? Check if you’ve overpaid your student loan. StepChange Debt Charity.
- [Clone firms: why would a company pretend to be a debt advice charity?](https://moneyaware.co.uk/2019/08/clone-firms-why-would-a-company-pretend-to-be-a-debt-advice-charity/) - If you go online to look for debt advice, you should feel confident that the companies listed in the search engine results are genuine. However, a new type of scam is on the rise, and it's catching people out at a time when they need help the most. Clone firms are websites that imitate real,
- [You don’t have to spend money to show you care! Free ways to be romantic](https://moneyaware.co.uk/2016/02/free-ways-to-be-romantic-valentines-day/) - Cheap and romantic date ideas. Simple ways to let that special someone know you care all year round without spending money. The best things in life are free!
- [How to start an emergency fund](https://moneyaware.co.uk/2017/01/how-to-start-an-emergency-fund/) - Putting money aside for emergency costs such as car breakdown, unemployment or illness could keep you out of debt and your bills up to date. Free debt advice.
- [How to get a better deal on your bills](https://moneyaware.co.uk/2019/08/do-i-have-to-switch-my-bill-to-save-money/) - Want to save money on your electric, gas or mobile bill but don't want to switch providers? How to get the best deal on your bill with ismybillfair. StepChange
- [FCA warning: are you at risk from a pensions scam?](https://moneyaware.co.uk/2019/08/fca-warning-are-you-at-risk-from-a-pensions-scam/) - Pension and investment scams are on the rise. The FCA has identified six common pension scammers tactics. Make sure you’re scam smart. StepChange Debt Charity.
- [Weird and wonderful ways to make money](https://moneyaware.co.uk/2014/05/weird-ways-to-make-money/) - There are so many quick and easy ways you can boost your income. We've managed to find 20 ideas that might just be crazy enough to work…
- ['Credit-building' credit cards: are they a bad idea?](https://moneyaware.co.uk/2019/07/credit-building-credit-files-are-they-a-bad-idea/) - Can you improve your credit score with a high interest credit building credit card? Can subprime credit cards make your situation worse? StepChange Debt Charity
- [50 uses for distilled vinegar](https://moneyaware.co.uk/2015/09/50-uses-for-distilled-vinegar/) - Pre-2015 I was unaware that vinegar could be used for something other than chips. I've been looking for uses for distilled vinegar and here's 50 of the best.
- [Thrifty eats - we put cheap cuts of meat to the test!](https://moneyaware.co.uk/2015/08/cheap-cuts-of-meat-meals/) - Are “cheap” cuts of meat as tasty as more expensive cuts of meat? The MoneyAware team put thrifty recipes to the test so you don't have to.
- [10 ways to save £s and the planet!](https://moneyaware.co.uk/2011/03/10-ways-to-save-pounds-and-the-planet/) - It's Climate Week. Is there a way to help save the planet and save money at the same time?
- [Debt Arrangement Scheme: 7 things you didn’t know about DAS](https://moneyaware.co.uk/2013/04/debt-arrangement-scheme-7-things-you-didnt-know-about-das/) - What is the Debt Arrangement Scheme (DAS)? Find out about the top 7 things you never know about DAS and the debt payment programme (DPP) in Scotland.
- [How to do Valentine's Day on the cheap](https://moneyaware.co.uk/2019/02/save-money-on-valentines-day/) - With the Government spending cuts biting hard, and money being tight, we may have to resort to some ‘frugal spoiling’ this Valentine's Day
- [The ultimate Christmas DIY gift guide](https://moneyaware.co.uk/2014/11/diy-christmas-gift-guide/) - Christmas presents can be expensive. Let's change that, our top ten DIY Christmas gift guide will hopefully save you some money. Let the crafting commence!
- [5 quick and clever Black Friday tips!](https://moneyaware.co.uk/2018/11/5-quick-and-clever-black-friday-tips/) - Thinking of braving the Black Friday madness? Five top money bloggers share some of their know-how...
- [This parking fine's unfair! Can I challenge it?](https://moneyaware.co.uk/2019/07/this-parking-fines-unfair-can-i-challenge-it/) - How do you dispute a parking fine? What do you need to put in your appeal letter, and what evidence do you need that the fine's unfair? StepChange MoneyAware
- [Super-charge your finances with the 50/30/20 rule!](https://moneyaware.co.uk/2019/07/super-charge-your-finances-with-the-50-30-20-rule/) - Ever feel like you need to go to budgeting boot camp? Do you find yourself staring dumbfounded at your bank statement, wondering where all of your money went last month? Our friend Alice from Magic Freebies popped by to talk about the 50/30/20 rule, and it's a game-changer! Let's face it, budgeting can be boring
- [Joint loans for couples - now we’ve split up, who has to pay?](https://moneyaware.co.uk/2018/08/we-got-a-joint-loan-now-weve-split-up-who-has-to-pay/) - What happens when you split up and have joint loans or joint debts? Will you be left with a debt burden? Are you financially tied even though you've separated?
- [Quit smoking, save the pennies for No Smoking Day 2019](https://moneyaware.co.uk/2017/03/quit-the-cigs/) - We’re all aware of the health benefits of quitting smoking, but do we really understand the financial benefits?
- [20 more weird and wonderful ways to make money](https://moneyaware.co.uk/2015/03/20-more-weird-and-wonderful-ways-to-make-money/) - There are lots of unusual ways to make more money, from selling your story and monitoring exams to voice acting and setting up Twitter for your local chippy
- [My Debt Story - Emma Drew](https://moneyaware.co.uk/2019/07/my-debt-story-emma-drew/) - Emma Drew talks about how she dealt with thousands of pounds worth of persistent credit card debt. Budgeting and money saving tips. StepChange Debt Charity.
- [How to save the environment as well as your money!](https://moneyaware.co.uk/2016/10/how-to-save-the-environment-as-well-as-your-money/) - Save the environment as well as your money. Thrifty tips on being ecologically friendly on a budget. Upcycling, solar panels, energy efficiency. Free advice
- [Debt collection company refunds & writes off £414m](https://moneyaware.co.uk/2016/11/debt-collection-company-refunds-writes-off-414m/) - Debt collection company Motormile Finance are paying £414m back to its customers. Some will have their debt written off or reduced. Does this affect you?
- [How to get your credit report](https://moneyaware.co.uk/2017/05/how-to-get-your-credit-report/) - Our step-by-step guide will help you find out how to get your credit report. Find out what your credit score is and view your credit file. Living with debt.
- [4 apps that help you save time and get stuff done!](https://moneyaware.co.uk/2019/06/4-apps-that-help-you-save-time-and-get-stuff-done/) - Always feel like you're running out of time? These apps can help you improve productivity, avoid distractions, beat stresss and form clever money habits. StepChange
- [“I was running out of money, so was relying on credit cards”: Rosie’s story](https://moneyaware.co.uk/2015/03/i-was-running-out-of-money-so-was-relying-on-credit-cards-rosies-story/) - Rosie separated from her partner and soon found herself a single parent struggling with debt. Get free debt advice from StepChange Debt Charity.
- [The pros and cons of in-store credit](https://moneyaware.co.uk/2012/09/the-pros-and-cons-of-in-store-credit/) - In-store credit does exactly what it says on the tin. It doesn't get easier than that, right? Think again. Buy now, struggle to pay later.
- [7 signs that you're relying too much on credit](https://moneyaware.co.uk/2019/06/7-signs-youre-relying-too-much-on-credit/) - Are you worried about how much you rely on your credit card, store card or catalogue? How can you tell that you might need help?
- [Let's get active about minimum payments](https://moneyaware.co.uk/2019/05/get-active-about-minimum-payments/) - Minimum payments mainly cover any interest/charges you’re incurring and aren't useful when it comes to paying off your debt. Get active about minimum payments.
- [9 debt myths busted](https://moneyaware.co.uk/2019/05/9-debt-myths-busted/) - Can you go to prison for not paying debts? Can bailiffs force entry to your home? Get all the answers about debt here.
- [Host your own garden party on a budget](https://moneyaware.co.uk/2015/07/host-your-own-garden-party-on-a-budget/) - Cater for your friends on the cheap with this budget Mediterranean feast! | Money-saving recipes from StepChange MoneyAware
- [20 budget BBQ tips](https://moneyaware.co.uk/2019/05/20-budget-bbq-tips/) - Top tips to help you save money on your next BBQ | Money-saving advice from StepChange MoneyAware
- [How I went from £36k in debt to being back in black](https://moneyaware.co.uk/2011/02/how-i-went-from-36k-in-debt-to-being-back-in-black/) - Coffeecurls shares her story of being £36,000 in debt and on the verge of bankruptcy, to being debt free. Joint debts, divorce and reducing debt. StepChange
- [HP or a credit agreement - that is the question!](https://moneyaware.co.uk/2012/10/hp-or-a-credit-agreement-that-is-the-question/) - Have you ever wondered what the difference is between a hire purchase and credit agreement?
- [Be savvy at sums and save money!](https://moneyaware.co.uk/2019/05/be-savvy-at-sums-and-save-money/) - Scared of maths? National Numeracy Day Challenge has free and easy to use resources to improve your maths skills and gain confidence. StepChange Debt Charity
- [Martin Lewis’ top 3 essential budgeting tips](https://moneyaware.co.uk/2015/10/martin-lewis-top-3-essential-budgeting-tips/) - 3 essential budgeting tips from Martin Lewis: what happened when we quizzed MoneySavingExpert.com's main man! | Money-saving tips from StepChange Debt Charity
- [8 ways you can improve your wellbeing](https://moneyaware.co.uk/2013/05/5-ways-you-can-improve-your-wellbeing/) - No one can look after your wellbeing better than you. If you look closely enough you’ll see that a little bit of self-preservation works wonders.
- [5 nasty online scams to watch out for!](https://moneyaware.co.uk/2019/04/4-nasty-online-scams-to-watch-out-for/) - Worried about phishing scams or that you may be vulnerable to fraud? Stay safe from scammers looking to steal money off you or commit identity fraud. StepChange
- [Maintaining your friendships when you're in debt](https://moneyaware.co.uk/2016/12/maintaining-friendships-in-debt/) - When you’re in debt, it can be hard being socialable on a budget. Read our handy guide to looking after your friendships when you're cutting back on spending.
- [How to save money on your water bill](https://moneyaware.co.uk/2019/03/save-money-on-water/) - Find out how you can cut the cost of your next water bill, how to get a water meter and avoid water arrears.
- [Quick ways to make money for Christmas](https://moneyaware.co.uk/2017/09/quick-ways-to-make-money-for-christmas/) - Looking for ways to make money for Christmas? Follow our easy tips on how to make extra cash, and quickly. Practical money tips from MoneyAware.
- [6 ways to find unexpected cash](https://moneyaware.co.uk/2012/04/6-ways-to-find-unexpected-cash/) - 6 ways to find unexpected cash, forgotten bank accounts, reclaiming mis-sold PPI, finding out about grants
- [The 5 things you need to do before going bankrupt](https://moneyaware.co.uk/2014/03/things-to-do-before-going-bankrupt/) - This simple guide will give you a few handy tips to make sure that you’re prepared for the day you go bankrupt.
- [A summer of weddings – on the cheap!](https://moneyaware.co.uk/2011/06/a-summer-of-weddings-on-the-cheap/) - Weddings galore - The average cost of attending a wedding is £452 per person so how can you do it for less?
- [Over 65 and have a partner? Check your benefit entitlement now](https://moneyaware.co.uk/2019/03/over-65-and-have-a-partner-check-your-benefit-entitlement-now/) - From 15 May 2019 if you're aged over 65 and have a partner under 65 you won't be able to claim Pension Credit. Find out how Universal Credit works. StepChange.
- [A beginner’s guide to complaining to energy suppliers](https://moneyaware.co.uk/2018/11/a-beginners-guide-to-complaining-to-energy-suppliers/) - As the dark nights begin to draw in and the temperature continues to plummet, chances are that like all of us here at MoneyAware HQ you’ll be rushing to get home and snuggly (yes, that’s the technical term). Or perhaps you're reading this at the beginning of Spring, and your energy provider has sent
- [The beginner's guide to life insurance](https://moneyaware.co.uk/2019/02/the-beginners-guide-to-life-insurance/) - How does life insurance work? Does life insurance protect your mortgage? Confused.com explains life insurance premiums and terms. StepChange Debt Charity.
- [Statute barred debt: A step-by-step guide](https://moneyaware.co.uk/2013/10/statute-barred-debt/) - Is your debt non-enforceable (statute barred) under the Limitations Act 1980? Advice & download a letter to send to creditors.
- [5 services you can use right now to help you deal with debt](https://moneyaware.co.uk/2016/01/5-services-to-help-deal-with-debt/) - We've put together list of online and telephone based tools to help you get the free debt advice and solutions you may need.
- [5 ways to make paying council tax easier](https://moneyaware.co.uk/2019/03/5-ways-to-help-pay-your-council-tax/) - Council tax is a priority bill as there are can be serious consequences if you don't pay what you owe. Here are 5 tips for dealing with council tax bills.
- [8 free and local things to do when school’s out](https://moneyaware.co.uk/2019/03/8-free-and-local-things-to-do-when-schools-out/) - Keep the kids entertained over the half term break with free, cheap and fun activities and things to do. Get creative, play board games, enjoy local culture.
- [Four last minute Mother's Day gift ideas](https://moneyaware.co.uk/2013/03/last-minute-mothers-day/) - Debt problems shouldn't stop you from spoiling Mum this Mother's Day. Feel like getting creative? We've got some great ideas that won't break the bank.
- [10 ways to treat mum this Mother's Day](https://moneyaware.co.uk/2017/03/10-ways-to-treat-mum-this-mothers-day/) - If you want to splash some cash on your mum, it’s fine. But if you’re looking for other ways to treat your mum, this list is for you.
- [How to save money on your guilty pleasures](https://moneyaware.co.uk/2019/02/7-spending-habits-that-could-be-costing-you-thousands/) - Wasting thousands of pounds without realising? A budgeting specialist explains how to avoid seven of the worst bad spending habits. Money tips from MoneyAware
- [3-ingredient recipes: easy as 1, 2, 3](https://moneyaware.co.uk/2014/11/3-ingredient-recipes-easy-as-1-2-3/) - Make cheap but tasty meals with our favourite 3 ingredient recipes. Yep, only three ingredients needed for meals like pancakes, mac and cheese, and shortbread.
- [Super easy DIY Christmas gift ideas for all the family](https://moneyaware.co.uk/2018/12/super-easy-diy-christmas-gift-ideas-for-all-the-family/) - This year add a personal touch and treat your friends and family to a Merry ‘make it yourself’ Christmas.
- [How to stay motivated while getting out of debt](https://moneyaware.co.uk/2017/08/how-to-stay-motivated-while-getting-out-of-debt/) - Do you struggle to stay positive while getting out of debt? Handy tips you can use right now to help you stay motivated while you’re getting out of debt.
- [Your 2019 10 step financial detox](https://moneyaware.co.uk/2019/01/your-new-year-financial-detox/) - From benefit checks and savings goals to quitting smoking and trimming pounds off your budget, we’ve got ten financial detox tips to keep you on track.
- [How does Monzo work and is it any good?](https://moneyaware.co.uk/2018/12/how-does-monzo-work-and-is-it-any-good/) - Debt Advisor Ciaran Ross takes a look at the Monzo banking and current account app. Can it help you save money and make paying for stuff easier? StepChange MoneyAware.
- [7 new uses for old things](https://moneyaware.co.uk/2015/05/7-new-uses-for-old-things/) - 7 new uses for old things. Join me on my mission to dabble with the boundaries of being overly frugal as I attempt to give everything a second lease of life.
- [Watch out for this mis-sold IVA letter scam](https://moneyaware.co.uk/2012/08/watch-out-for-this-mis-sold-iva-letter-scam/) - We’ve heard lots of stories of our IVA clients receiving ‘mis-sold IVA’ letters. These letters usually inform them that they’ve been mis-sold the debt solution
- [Get fit for free – the MoneyAware challenge!](https://moneyaware.co.uk/2016/04/get-fit-for-free-challenge/) - Getting fitter doesn't need to cost a fortune. In fact, you can get fit for free! The StepChange MoneyAware team take on the challenge to get fit for free.
- [The newbie’s guide to selling stuff online](https://moneyaware.co.uk/2019/02/the-newbies-guide-to-selling-stuff-online/) - I really do enjoy grabbing a great bargain – especially if it’s on new clothes and trainers – but I’ve always been a bit torn over whether selling stuff online is worth the time and effort.
- [Top tips for saving money on your broadband bill!](https://moneyaware.co.uk/2019/01/save-money-on-broadband/) - Broadband Genie's tips on how to switch to a cheaper broadband supplier. Avoid broadband caps & get fast reliable broadband. Save money on your internet bill.
- [Applying for debt consolidation (debt danger sign #3)](https://moneyaware.co.uk/2014/01/applying-for-debt-consolidation/) - Applying for a consolidation loan is one of the five debt danger signs. Why does debt consolidation mean you're at risk of a debt problem?
- [How I made over £700 from reclaiming bank charges!](https://moneyaware.co.uk/2019/02/how-i-made-over-700-from-reclaiming-bank-charges/) - Have you had unfair bank charges or have you been mis-sold financial products? Jenn explains how she made a claim and received a refund. StepChange Debt Charity
- [FCA: Up to 150k rejected PPI claims will be reviewed](https://moneyaware.co.uk/2019/02/fca-guidance-rejected-ppi-claims/) - New Financial Conduct Authority guidance means that 150000 rejected payment protection insurance claims could be reviewed. Has your PPI reclaim been rejected?
- [The stress of dealing with debt alone](https://moneyaware.co.uk/2013/05/the-stress-of-dealing-with-debt-alone/) - Problem debt and rising living costs are a burden for many people, but it seems that people living alone have it especially tough. No one should ever have to deal with debt alone.
- [Cold-called by a High Court Enforcement Officer? It could be a scam!](https://moneyaware.co.uk/2016/08/been-cold-called-by-a-high-court-enforcement-officer-it-could-be-a-scam/) - Had a cold call from a scammer? Some are pretending to be High Court Enforcement Officers or Bailiffs to con you out of money. StepChange. Free debt advice
- [Charley takes the Skint Dad penny challenge!](https://moneyaware.co.uk/2019/01/charley-takes-the-skint-dad-penny-challenge/) - Too broke to save money? The Skint Dad penny-savings challenge helps you set a realistic savings goal to pay off debt or get something you really want.
- [“Your debts written off!”: Is it too good to be true?](https://moneyaware.co.uk/2011/08/your-debts-written-off-is-it-too-good-to-be-true/) - We’ve all seen adverts telling you that you can write off debt. It sounds too good to be true, for one reason: it usually is too good to be true.
- [Default notices - what are they and what do they mean?](https://moneyaware.co.uk/2011/09/default-notices-what-are-they-and-what-do-they-mean/) - Find out what you should do on receiving a default notice and how it affects your credit file or report. Debt advice.
- [We got a joint loan - now we've split who has to pay?](https://moneyaware.co.uk/2011/09/we-got-a-joint-loan-now-weve-split-who-has-to-pay/) - What is the debt law around joint loans and joint accounts, and what it means to be a guarantor on a loan or credit product.
- [Don’t fudge it: How to create and stick to a budget](https://moneyaware.co.uk/2011/01/dont-fudge-it-how-to-create-and-stick-to-a-budget/) - Around 25% of us don’t create a regular financial budget. As our advisors see time and again this can be very dangerous game to play with your finances.
- [How do other people’s debts affect me?](https://moneyaware.co.uk/2011/10/how-do-other-peoples-debts-affect-me/) - Can an address be blacklisted for credit ratings being more? Are there credit cards for people with bad credit ratings? Find out more about credit files.
- [8 bankruptcy myths debunked](https://moneyaware.co.uk/2011/12/8-bankruptcy-myths-debunked/) - We hear so many myths about bankruptcy, we've tried to dispel some of them. Here are our top 8 bankruptcy myths.
- [Be clear about debt](https://moneyaware.co.uk/2012/04/clear-debt/) - We want you to be clear about debt, as well as clear of debt. So to help we produce a daily tweet about two terms used in debt advice and explain what each means.
- [101 ways to save money](https://moneyaware.co.uk/2015/04/101-ways-to-save-money/) - 101 ways to save money and budget better | Save money on bills and utilities, food and drink, transport and more | Money-saving tips from StepChange Debt Charity
- [10 ways to live for free](https://moneyaware.co.uk/2015/01/10-ways-to-live-for-free/) - Living on a budget doesn't mean you have to go without. Jasmine Birtles of MoneyMagpie.com tells us ten ways to live for free.
- [10 weird and wonderful ways to make money in 2017](https://moneyaware.co.uk/2017/03/ways-to-make-money-in-2017/) - Write out transcripts, win eating competitions, become a professional mourner or do odd jobs for cash. Creative ways to make more money. Side job. Extra income.
- [What should you do if you can no longer afford a CCJ?](https://moneyaware.co.uk/2012/09/what-should-you-do-if-you-can-no-longer-afford-a-ccj/) - CCJ payments aren't set in stone, so if you're struggling read our advice to find out what you should do.
- [Bailiffs: know your rights](https://moneyaware.co.uk/2012/10/bailiffs-know-your-rights/) - If there's a threat of bailiffs at the door, read our blogpost so you know exactly how to deal with them. Debt advice from StepChange MoneyAware.
- [6 easy ways to get totally free stuff](https://moneyaware.co.uk/2018/02/6-easy-ways-to-get-totally-free-stuff/) - Who doesn't like free stuff? Find out six easy ways to get something for nothing, supplied by Ruth from Save the Student. The best places to find free things.
- [4 ways to make money on your car](https://moneyaware.co.uk/2018/10/4-ways-to-make-money-on-your-car/) - At MoneyAware HQ we’re always on the lookout for ways to help you boost your income. How about ways to make money from your car? Owning a car can be a huge expense, from the initial purchase to tax, insurance, MOTs, servicing and obviously, fuel. So how can you recoup some of the costs? Here
- [How to make extra cash – money wisdom from the web](https://moneyaware.co.uk/2017/01/how-to-make-extra-cash-money-wisdom-from-the-web/) - Make extra money at home, around your job and while shopping. Articles from Skint Dad, MoneyMagpie and Be Clever With Your Cash can help you boost your income.
- [6 tips to become a money savvy student](https://moneyaware.co.uk/2011/09/6-tips-to-become-a-money-savvy-student/) - Thrifty student money saving tips. How to live to a budget, pay your bills, save money and have fun while in full time further education. StepChange MoneyAware.
- [Save money on your car - lease it, share it and sell it!](https://moneyaware.co.uk/2011/03/save-money-on-your-car-lease-it-share-it-and-sell-it/) - Cars cost a bomb to buy, a shedload to service and a fortune to fuel. How can they make you money?
- [DIY on a budget: 1. Brighten up your kitchen](https://moneyaware.co.uk/2014/06/diy-on-a-budget-1-brighten-up-your-kitchen/) - Brighten up your kitchen on a budget with these thrifty DIY ideas | It's time to get creative! | First in the series from StepChange MoneyAware
- [We review 5 Android and iPhone budgeting apps](https://moneyaware.co.uk/2012/08/we-review-5-android-and-iphone-budgeting-apps/) - We review 5 Android and iPhone budgeting apps: Keep track of your spending on the go
- [Payday lender refunds & writes off £34m](https://moneyaware.co.uk/2016/09/payday-lender-refunds-writes-off-34m/) - Payday loan company CFO Lending are ordered to pay £34m back to its customers. Some may have their debt written off or reduced. Does this affect you?
- [Money saving wisdom from the web - clothes and shoes](https://moneyaware.co.uk/2016/05/money-saving-wisdom-from-the-web-clothes-and-shoes/) - Whether it's repairing clothes, replacing clothes or making clothes last longer, our bumper list of thrifty tips has the answer to your fashion woes
- [Being a single parent is no bed of roses!](https://moneyaware.co.uk/2011/03/being-a-single-parent-is-no-bed-of-roses/) - Being a single parent and trying to raise children is no bed of roses. 23% of households with children are single parent families, with 1.9m single parents.
- [How do I get out of payday loan debt? Find out in 5 steps](https://moneyaware.co.uk/2013/07/how-do-i-get-out-of-payday-loans/) - Looking for payday loan help? Find out how to get out of payday loans debt if you can't afford to pay, especially if you want payday loan consolidation.
- [Are you being mindful with your money?](https://moneyaware.co.uk/2015/04/mindfulness-and-money/) - Money worries are one of the most common causes of stress. Mental Health Foundation talks about how mindfulness can help you stay in control of money worries.
- [Frugal friends: 20 brilliant money saving blogs](https://moneyaware.co.uk/2013/05/frugal-friends-20-brilliant-moneysaving-blogs/) - We wanted to tell you about some of the best moneysaving blogs out there (in no particular order!) so you can save money and get out of debt.
- [10 money-saving tips for parents of students](https://moneyaware.co.uk/2015/09/10-money-saving-tips-for-parents-of-students/) - Starting university is stressful enough, especially when when you're the parent of a student. There's lots of ways you can help them budget and save money.
- [How to declutter your finances](https://moneyaware.co.uk/2018/04/how-to-declutter-your-finances/) - By tidying up your budget, bank account and daily spending, you could save a lot of money over the year. Clever money tips from MoneyMagpie and StepChange
- [Save money on electricity: a step-by-step guide](https://moneyaware.co.uk/2015/07/electricity-saving-tips/) - Looking to save money on your bills but don’t know where to start? Look no further. I’ve been gathering electricity saving tips to help reduce our energy bills.
- [Personal debt myths debunked](https://moneyaware.co.uk/2012/01/personal-debt-myths-debunked/) - Every day we tweet and debunk a debt myth - those rumours and half-truths seen as gospel. Myths unncessarily add to the burden of those worried about debt.
- [Credit cards: 10 things you need to know](https://moneyaware.co.uk/2019/01/credit-cards-10-things-you-need-to-know/) - We answer your credit card questions from the difference between APR and a promotional interest rate, to the types of cards available based on what you need.
- [How to save money with freebie websites!](https://moneyaware.co.uk/2019/01/how-to-save-money-with-freebie-websites/) - How do you get stuff for free? What are the best freebie websites and can free samples help you save money and budget? Magic Freebies and StepChange MoneyAware.
- [How to deal with a county court judgment (CCJ)](https://moneyaware.co.uk/2012/01/received-a-county-court-judgement-ccj/) - It's easy to panic if you receive county court claim forms through the post. Read our quick guide to help you and make sure you deal with them in the right way.
- [8 questions every DMP client asks](https://moneyaware.co.uk/2012/02/8-questions-every-dmp-client-asks/) - Our debt advisors are just a phone call away to answer any question, but here are the 8 DMP questions we get asked the most, with answers, to save you a call!
- [Claiming PPI could be a scandal for those in debt](https://moneyaware.co.uk/2012/03/claiming-ppi-could-be-a-scandal-for-those-in-debt/) - If you’re in a debt solution like an IVA & claim PPI avoid claims management companies. Using them could leave you with more debt instead of a lump sum payment.
- [Targeted by payday loan spam texts?](https://moneyaware.co.uk/2012/03/targeted-by-spam-texts/) - It's National Student Money Week organised by NASMA. As part of the week we highlight the problem of ‘spam’ payday load texts offering instant short-term loans.
- [How to dress as a scary zombie for Halloween on a budget](https://moneyaware.co.uk/2017/10/how-to-dress-as-a-scary-zombie-for-halloween-on-a-budget/) - Cheap Halloween costume ideas: We've tested the best ways to Zombify clothing and make fake blood using basic household ingredients - spook your friends out!
- [How to save money on Sky, Virgin and other TV packages](https://moneyaware.co.uk/2017/10/how-to-save-money-on-sky-virgin-and-other-tv-packages/) - Find out how to reduce your existing TV package, switch provider, haggle a better deal and watch Sky Sports and BT Sports for less. Money-saving tips from StepChange MoneyAware
- [Overdraft debt: what to do if you're constantly overdrawn](https://moneyaware.co.uk/2018/01/overdraft-debt-constantly-overdrawn/) - Are you constantly stuck in your overdraft? You're not alone. Follow our four steps to break the cycle and learn to budget better to pay off overdraft debt.
- [Totally legal ways to get free movies, TV shows, books and music online](https://moneyaware.co.uk/2018/05/free-books-films-music-online/) - Our appetite for free entertainment has never been greater. You can find lots of free books, films and songs online for free and completely legally. Here's here's how!
- [Can I get a car when I'm in debt?](https://moneyaware.co.uk/2018/07/can-i-get-a-car-when-im-in-debt/) - Do you need to buy a car but you're in debt? We look at how to calculate the running costs and affordability of a car when you have other debts.
- [Do I need to change my bank account if I’m in debt?](https://moneyaware.co.uk/2018/07/do-i-need-to-change-my-bank-account-if-im-in-debt/) - If you owe money to your bank you may need to change accounts. Get a basic bank account (no credit check) or speak to your bank about ways to repay them.
- [How to clean up your credit file after an IVA](https://moneyaware.co.uk/2018/07/how-to-clean-up-your-credit-file-after-an-iva-2/) - It could be just around the corner. Or maybe it’s already happened. That joyful day when your IVA is finally complete. Tips for improvign your credit score.
- [How to improve your credit rating after a DMP](https://moneyaware.co.uk/2018/07/how-to-improve-your-credit-rating-after-a-dmp-2/) - If you're getting on with your debt management plan and can see the light at the end of the tunnel, you'll be thinking about how to improve your credit rating.
- [Renting lessons I’ve learned the hard way](https://moneyaware.co.uk/2018/07/renting-lessons-ive-learned-the-hard-way/) - Aside from valuable lessons about what to look for in rental property, I’ve picked up some handy tips to help save money when renting too.
- [Should I be worried about my credit file while on a DMP?](https://moneyaware.co.uk/2018/07/should-i-be-worried-about-my-credit-file-while-on-a-dmp/) - Wondering how long a DMP stays on a credit file? Worried your credit rating will be affected by a debt management plan? All your questions are answered here.
- [7 easy ways to save money](https://moneyaware.co.uk/2018/08/7-easy-ways-to-save-money/) - Simple money-saving tips to try in 2017. From rounding down your bank account, to 1p challenges and starting a piggy bank - it all adds up.
- [How can I make money fast?](https://moneyaware.co.uk/2018/08/how-can-i-make-money-fast/) - Need money quickly? There are loads of ways to do it. From giving Google a piece of your mind to using voucher cashback sites. MoneyAware money making tips.
- [Now Wonga’s in administration, do I need to repay my loan?](https://moneyaware.co.uk/2018/08/now-wongas-in-administration-do-i-still-need-to-repay-my-loan/) - Wonga, payday loans lenders, have gone into administration. Find out what that means if you have payday loan debts to them and are on a DMP or other solution.
- [Home insulation on the cheap](https://moneyaware.co.uk/2018/10/insulate-your-home-on-the-cheap/) - Don't freeze your fun this winter! Insulate your home on the cheap and save money with our tips on insulating, energy discounts and DIY draught excluders.
- [What happens when you make your final IVA payment?](https://moneyaware.co.uk/2012/11/what-happens-when-you-make-your-final-iva-payment/) - What happens at the end of an IVA? Do you get an IVA completion certificate? Find out in our blogpost. StepChange MoneyAware.
- [I’m on an IVA but creditors keep contacting me!](https://moneyaware.co.uk/2012/11/on-an-iva-but-creditors-keep-contacting-me/) - One of the pluses of choosing an IVA as a debt solution is that once it’s approved creditors can no longer make contact with you to chase the debt. Debt advice from StepChange.
- [Full and final satisfaction – from StepChange Debt Charity](https://moneyaware.co.uk/2012/09/full-and-final-satisfaction-from-stepchange-debt-charity/) - StepChange Debt Charity have a full and final settlements service. We help our clients to pay off their debts more quickly by offering settlements to creditors.
- [It’s an IVA overtime salary bonus](https://moneyaware.co.uk/2012/08/its-an-iva-overtime-salary-bonus/) - How does having an IVA affect your salary, especially if your receive commission and bonuses, or even a payrise? What are the IVA rules about making more money?
- [Debt collectors are not bailiffs](https://moneyaware.co.uk/2012/06/debt-collectors-are-not-bailiffs/) - If creditors threaten to send doorstep collectors it’s important to realise these are not bailiffs. If you're being threatened call StepChange.
- [Can I reclaim PPI while on an IVA?](https://moneyaware.co.uk/2012/05/can-i-reclaim-ppi-while-on-an-iva/) - Payment Protection Insurance (PPI) has been in the news a lot. Many people are claiming PPI for mis-sold policies. What happens if you're on an IVA?
- [10 debt warning signs: does your friend has a debt problem?](https://moneyaware.co.uk/2018/11/friend-in-debt-warning-signs-how-to-help/) - You’ve known for months that someone you care about is going through a rough patch with money. You want to help but don’t know how. That’s where we come in.
- [You’re in debt but what can your creditors actually do?](https://moneyaware.co.uk/2018/11/you-are-in-debt-but-what-can-your-creditors-actually-do/) - Find out more about what debt collection agencies can do. There are many misconceptions about what creditors can and can't do - causing debt stress.
- [Financial stress – 6 tips to help you cope when you’re in debt](https://moneyaware.co.uk/2018/11/financial-stress-6-tips-to-help-you-cope-when-youre-in-debt/) - 6 practical tips to help you cope with the worries of being in debt. Following these simple steps will help you manage your money stress. Expert advice.
- [What constitutes credit on an IVA?](https://moneyaware.co.uk/2013/02/what-constitutes-credit-on-an-iva/) - Under IVA rules you can't get more credit, what does this mean? Are Credit cards banned? Are there loans for people on an IVA? What about arrears on utilities?
- [The 10 most useful sections of MoneySavingExpert.com](https://moneyaware.co.uk/2013/02/the-10-most-useful-money-saving-sections-of-moneysavingexpert-com/) - We’ve put together a list of 10 useful places on MSE that can help save you money. Moneysaving expert.com is a great place to save money!
- [Debt Relief Orders (DROs) – everything you wanted to know but were afraid to ask](https://moneyaware.co.uk/2013/02/debt-relief-orders-dros-everything-you-wanted-to-know-but-were-afraid-to-ask/) - Even though debt relief order (DRO applications) are increasing in popularity they’re still not as well-known as their insolvency brothers, IVA and bankruptcy.
- [Universal Credit - what is it? The new benefits system explained](https://moneyaware.co.uk/2013/01/universal-credit-what-is-it-benefit-explained/) - Universal credit is being rolled out and people have a lot of questions about it. How often is it paid? How do you apply for it? All your questions answered.
- [How to avoid getting into debt after Christmas](https://moneyaware.co.uk/2018/12/avoid-debt-after-christmas/) - Money tips to prevent debt in the New Year. Save money, budget, get cash back, find great deals on presents, food and parties. StepChange Debt Charity.
- [To debt consolidate or not to debt consolidate?](https://moneyaware.co.uk/2013/01/to-debt-consolidate-or-not-to-debt-consolidate/) - Debt consolidation is an attractive option, but might not be the best way to deal with your debts. A consolidation loan could mean you have to pay more back.
- [Are high-cost payday loans still a problem?](https://moneyaware.co.uk/2016/11/are-payday-loans-still-a-problem/) - Two years on, are the rules introduced by the FCA to the payday loan market making a difference to customers who need short-term credit? We found out.
- [Will my boss find out that I’m in debt?](https://moneyaware.co.uk/2011/07/will-my-boss-find-out-that-im-in-debt/) - Can debt affect your employment? We answer your questions if you're worried about your boss finding out about your debts
- [Free training courses you can take to level-up your life](https://moneyaware.co.uk/2016/08/free-online-training-courses-and-classes-improve-skills-boost-cv/) - Find out about lots of great free online training courses, seminars and classes. Some come with qualifications and can increase your career prospects.
- [Don’t let a loan shark ruin your Christmas](https://moneyaware.co.uk/2011/11/dont-let-a-loan-shark-ruin-your-christmas/) - In the run up to Christmas, as many people struggle for cash, we’re urging people to avoid illegal money lenders. Don’t let a loan shark ruin your Christmas.
- [How is an IVA different to a DMP?](https://moneyaware.co.uk/2011/07/12-differences-between-an-iva-and-a-dmp/) - What is an IVA and how is it different to a debt management plan DMP? How does an IVA work? Free debt, individual voluntary arrangements and insolvency advice. StepChange
- [10 money-saving resolutions you need to make for 2019](https://moneyaware.co.uk/2017/01/10-money-saving-resolutions/) - Make sure your money-saving, budgeting, debt payment and emergency fund resolutions last all year round with these 10 top tips from StepChange Debt Charity.
- [Baking soda: what can’t it do?](https://moneyaware.co.uk/2016/08/baking-soda-what-cant-it-do/) - Baking soda: what is it good for? Absolutely everything. Here are 50 uses for it, from a natural cleaning aid around the house to homemade beauty products.
- [What happens if you fall into rent arrears?](https://moneyaware.co.uk/2012/05/what-happens-if-you-fall-into-rent-arrears/) - If you fall into rent arrears court proceeding can begin. This is a lengthy process involving a possession order. Learn what you do if you can't pay your rent.
- [A sterling effort: How I reclaimed nearly £1,000 for a mis-sold bank account in less than a day](https://moneyaware.co.uk/2016/06/reclaim-bank-account-fees/) - When Rob realised he’d was paying his bank unnecessary fees for unneeded benefits he was annoyed to say the least. Until he found out he could claim them back.
- [Reclaim PPI for free](https://moneyaware.co.uk/2017/03/reclaim-ppi-for-free/) - You’ve probably heard about the mis-selling of PPI and the refunds people have received. We recommend that you reclaim PPI for free and don't use a PPI claims management company.
- [Payday loan debt help: what to do if you can’t afford the payment](https://moneyaware.co.uk/2013/01/payday-loan-debt-help-what-to-do-if-you-cant-afford-the-payment/) - Need help with a payday loan? We can talk you through how to cancel the payment and what to do next, including negotiating instalments. StepChange MoneyAware.
- [How to prepare for your debt management plan review](https://moneyaware.co.uk/2016/05/dmp-review-prep/) - We'll help you prepare for your DMP review and check your budget at least once a year to ensure your DMP is affordable and the best debt solution for you.
- [In debt? Here are 5 reasons why you should open a new bank account](https://moneyaware.co.uk/2016/04/5-reasons-to-open-a-new-bank-account/) - One of the most important pieces of advice we give to people in debt is to open a new basic bank account | Debt information from StepChange MoneyAware
- [How to cancel a continuous payment authority on a payday loan](https://moneyaware.co.uk/2012/07/how-to-cancel-a-continuous-payment-authority-cpa-on-a-payday-loan/) - Cancelling a continuous payment authority, CPA, to a payday loan company. A customer can always stop a continuous payment authority or recurring transaction.
- [Five secrets of debt collection](https://moneyaware.co.uk/2013/07/five-secrets-of-debt-collection/) - Not sure how to deal with debt collectors? Getting debt collector letters and want to stop collectors calling? Find out more about the stages of debt collection.
- [IVA or bankruptcy – which form of insolvency is best for me?](https://moneyaware.co.uk/2013/05/iva-versus-bankruptcy-insolvency-which-is-best-for-me/) - IVA and bankruptcy are both forms of insolvency, and in some situations it can be a choice between these two. What are the pros and cons of each?
- [The difference between old style and new style student loans](https://moneyaware.co.uk/2011/03/student-loans-explained-for-old-ex-students/) - How are old style and new style student loans different? How do you pay a student loan debt off and what if you can't afford the payment? StepChange MoneyAware
- [How to avoid over-spending on Christmas ‘grudge’ purchases](https://moneyaware.co.uk/2013/12/how-to-avoid-over-spending-on-christmas-grudge-purchases/) - Christmas does bring out the Scrooge in a lot of us. A new study found out that we have a number of ‘grudge’ purchases we feel forced to make.
- [How not to waste money on Christmas: A Scrooge's guide](https://moneyaware.co.uk/2018/11/christmas-how-not-to-waste-money/) - It’s the most wonderful time of the year…or is it? It might be more accurate to say; it’s the most expensive, stressful, cold, dark, and busy time of the year. However you feel about the festive season, it can get a bit overwhelming if you’re not careful. Sometimes when you try ‘forcing’ yourself to have
- [How to earn your way to a 'free Christmas'](https://moneyaware.co.uk/2018/11/cost-neutral-spend-less-free-christmas/) - By recycling presents, making presents, or selling unwanted items, You CAN have a ‘no-cash Christmas’ without taking out any credit.
- [Rent-to-own – what are the alternatives?](https://moneyaware.co.uk/2017/11/rent-to-own-stores-alternatives/) - We support the End Child Poverty campaign about rent-to-own stores putting financially vulnerable households at further risk of falling into problem debt
- [Klarna: how it works](https://moneyaware.co.uk/2018/10/klarna-how-it-works/) - Shopping online’s easier than ever. From massive supermarkets to that new age shop your mum gets her tarot reading done at every year, everyone’s got an online store these days. With online shopping comes online finance, specifically ‘buy now, pay later’. The thing with ‘pay later’ though, is that it eventually becomes ‘pay now’. Add
- [Black Friday: how to spot if a good deal's a good deal](https://moneyaware.co.uk/2018/11/black-friday-how-to-be-a-savvy-shopper/) - How can you score an amazing Black Friday bargain without trampling over someone’s dear old nan? Here are our five top tips to ensure a bountiful Black Friday.
- [Simple tips to teach your kids how to budget](https://moneyaware.co.uk/2018/11/tips-to-teach-kids-how-to-budget/) - Helping your children form positive habits takes time. The earlier you start, and the more fun you make it, the better!
- [Glen's story: From £15k in debt to debt free](https://moneyaware.co.uk/2017/07/glens-story-from-15k-in-debt-to-debt-free/) - Find out how I went from having 15k of student debt to being back in the black by making a budget and getting debt help.
- [Use a credit card and buy now, pay until 2027](https://moneyaware.co.uk/2010/11/use-a-credit-card-and-buy-now-pay-until-2027/) - If you spent £500 on using your credit card last Christmas and you only made minimum payments, it could take you until many years to clear the balance.
- [6 money & debt questions to ask before living together](https://moneyaware.co.uk/2018/10/6-money-debt-questions-to-ask-before-living-together/) - One of the first things people think about when considering moving in with their partner is whether they're actually going to be a good housemate. Will they pick their socks up off the floor? Do they do their fair share of the cleaning? Will they know to wash the dishes in hot water and not
- [What are the alternatives to credit cards?](https://moneyaware.co.uk/2018/11/alternatives-to-using-credit-cards/) - If you think you’re spending too much on a credit card, or are already in debt management, how can you avoid getting into debt?
- [Cheap Bonfire Night tips that go with a bang!](https://moneyaware.co.uk/2018/11/cheap-bonfire-night-tips-that-go-with-a-bang-and-not-a-whimper-2/) - Bonfire Night doesn’t need to cost hundreds of pounds.
- [8 ways to save money in your extra hour](https://moneyaware.co.uk/2014/10/8-ways-to-save-money-in-your-extra-hour/) - Save money when the clocks go back! | Make a budget, check your Direct Debits, and save on your utility bills | Money saving advice from StepChange MoneyAware
- [Let's talk about money and debt NOW!](https://moneyaware.co.uk/2018/10/money-advice-service-talk-money-week/) - Do you feel awkward when talking about money? Are you scared of being judged, or that people will treat you differently? The Money Advice Service wants to help you have cringe-free conversations about money, debt, and budgeting.
- [How do I make my money last until payday?](https://moneyaware.co.uk/2018/10/how-do-i-make-my-money-last-until-payday/) - We asked the team at MoneyAware HQ for their tips on making their money work harder in those crucial days before getting paid.
- [What happens if I don't pay my council tax?](https://moneyaware.co.uk/2018/10/what-happens-if-i-dont-pay-my-council-tax/) - Council tax is a ‘priority bill’. This means that if you don’t pay it – or make late payments – you could face unpleasant consequences such as court-appointed bailiffs.
- [There's no stigma to being in debt](https://moneyaware.co.uk/2012/05/theres-no-stigma-to-being-in-debt/) - Why there is no stigma to being in debt. CCCS doesn't judge clients with problem debt.
- [8 ways to wrap up Christmas early this year](https://moneyaware.co.uk/2018/10/early-christmas-shopping/) - Planning for Christmas now is a wise move - by taking just a few small steps each week, you can save yourself a ton of aggravation come December.
- [Our top 10 debt myths](https://moneyaware.co.uk/2011/10/our-top-10-debt-myths/) - What can and can't happen when you're in debt? Read our top 10 debt myths to find out
- [Last minute Father's Day gift ideas - 6 cheap ways to spoil your dad](https://moneyaware.co.uk/2013/06/last-minute-fathers-day-gift-ideas-6-cheap-ways-to-spoil-your-dad/) - Need some last minute Father's Day gift ideas? We've put together some ideas that will help you to treat your dad to special gift without breaking the bank.
- [Are there legal ways to write off debt?](https://moneyaware.co.uk/2013/08/legal-ways-to-write-off-debt/) - There are legal ways you can get debts written off. No scams, schemes or underhanded tricks, just straight talking debt advice.
- [Eating well for less money](https://moneyaware.co.uk/2018/08/eating-well-for-less/) - Eating healthy food has obvious benefits, such as of keeping cholesterol low and maintaining a healthy weight. However, healthy food isn’t always cheap, and it goes off like…really quickly? We all know the heartache of finding the salad we bought yesterday is now a mushy shadow of its former self. If you’ve ever asked the
- [Happy 25th anniversary StepChange](https://moneyaware.co.uk/2018/01/happy-25th-anniversary-stepchange/) - We're so proud to have been here for 25 years that we've made a video to celebrate. Find out what our colleagues think about our charity reaching this milestone.
- [9 thrifty tips for your next job interview](https://moneyaware.co.uk/2018/08/job-interview-top-tips/) - Job interviews can be nothing short of nerve-wracking. We’ll look at some interview hacks that cost very little but can prove priceless when landing you that job!
- [I’m in debt and facing redundancy. What do I do next?](https://moneyaware.co.uk/2018/05/made-redundant-how-to-pay-debt/) - Been made redundant but have debts? Find out what to do if you lose your job and are struggling to pay bills. Free advice from StepChange Debt Charity.
- [How to propose on a budget](https://moneyaware.co.uk/2018/08/how-to-propose-on-a-budget/) - Being in love is expensive, but money isn't everything! Here's how you can avoid shelling out unnecessarily on a proposal. I don’t buy the trope that proposals have to be over the top, expensive affairs. And they’re certainly not worth struggling with credit card payments for. The wedding industry is big money-making business, with the
- [6 ways for stay-at-home parents to make money](https://moneyaware.co.uk/2018/06/6-ways-for-stay-at-home-parents-to-make-money/) - Crafty ways for stay-at-home parents to make money while looking after the kids.
- [The truth about not paying your debts](https://moneyaware.co.uk/2018/06/truth-about-not-paying-debts/) - Our ethos is to help the ‘can’t pays’ rather than the ‘won’t pays’. Now and again we come across people who think that they can get away without paying.
- [5 achievable ways to reduce stress](https://moneyaware.co.uk/2018/06/5-achievable-ways-to-reduce-stress/) - Easy ways to reduce stress and look after your mental health and wellbeing. Exercise, talking about your problems and getting plenty of sleep can help. Free debt advice. StepChange Debt Charity.
- [Wannabe Debt Free? Join the club!](https://moneyaware.co.uk/2018/01/wannabe-debt-free-join-the-club/) - Get support with debt and money problems from others experiencing financial difficulty. Visit MoneySavingExpert.com's Debt Free Wannabe forum, StepChange.
- [Can I still go on holiday if I’m in debt?](https://moneyaware.co.uk/2018/07/can-i-still-go-on-holiday-if-im-in-debt/) - When you’re trying to be savvy with your money, a holiday – even a short camping trip – can seem like an extravagance. No matter what your financial situation, fun, leisure and the forging of happy memories with loved ones are so important. With that in mind, we’ve got some ideas on how you can get away from it all for less than you think.
- [Should I be worried about my credit rating while on a DMP?](https://moneyaware.co.uk/2018/06/worried-about-credit-rating-while-on-dmp/) - How does a DMP affect your credit rating? Should it bother you? Find out the answers from an experienced debt advisor. Free impartial credit history advice.
- [Jam-jar budgeting: The simple trick to organise your finances](https://moneyaware.co.uk/2017/09/jam-jar-budgeting-the-simple-trick-to-organise-your-finances/) - How you can use jam jars to track your spending, manage your money and feel in control of your budget. Simple, practical money-tips from MoneyAware.
- [My 4 favourite cheap homemade beauty products](https://moneyaware.co.uk/2014/08/my-4-cheap-easy-homemade-beauty-products/) - Thrifty pampering products using items from your cupboards | Cheap and easy beauty ideas from StepChange MoneyAware
- [Cheap home improvements – 7 easy tips to spruce up your home](https://moneyaware.co.uk/2013/03/cheap-home-improvements-7-easy-tips-to-spruce-up-your-home/) - One of the ways people can get into debt is through attempting costly home improvements. Our tips show you thrifty ways to spruce up your home.
- [The MoneySavingExpert.com downshift challenge: What’s it all about?](https://moneyaware.co.uk/2014/12/moneysavingexpert-downshift-challenge/) - The MoneyAware team chats with MoneySavingExpert.com about their downshift challenge, could you be saving money on your shopping?
- [7 hobbies that won’t cost you a fortune](https://moneyaware.co.uk/2014/07/7-hobbies-that-wont-cost-you-a-fortune/) - From origami to blogging, Ricky Willis aka 'SkintDad' suggests some cheap and cheerful hobbies that will keep you entertained without breaking the bank.
- [Slashing the cost of Halloween](https://moneyaware.co.uk/2013/10/money-saving-halloween/) - From home-made decorations to live-action Cluedo, check out these handy tips that'll help you put the ‘boo’ back in your ‘budget!
- [Answer the door](https://moneyaware.co.uk/2010/11/answer-the-door/) - So you answered the door and it was an ‘Enforcement Agent’. What does that mean anyway? Just a posh name for a bailiff?
- [StepChange Debt Charity: Answering your questions](https://moneyaware.co.uk/2012/11/stepchange-debt-charity-answering-your-questions/) - If you're on a debt management plan with CCCS what does our move to StepChange Debt Charity mean for you?
- [8 frugal but delicious soup recipes](https://moneyaware.co.uk/2014/11/8-frugal-but-delicious-soup-recipes/) - As it’s getting colder, what could be better than curling up in your PJs with a hot bowl of soup? | Cheap and tasty soup recipes from StepChange MoneyAware
- [Wonga compensation: does it affect your debt solution?](https://moneyaware.co.uk/2014/07/wonga-compensation-does-it-affect-your-debt-solution/) - How will receiving Wonga compensation affect your debt solution? | Free and impartial payday loan advice from StepChange MoneyAware
- [How to get fit and healthy on a budget](https://moneyaware.co.uk/2013/05/lets-get-physical-fitness-and-your-mental-health/) - Fitness is so important not just for our bodies but also for our minds. This year for Mental Health Awareness Week, the focus is on the positive effects exercise has on our overall wellbeing.
- [Store cupboard essentials for cheap and easy meals](https://moneyaware.co.uk/2018/04/store-cupboard-essentials/) - Save money on your food shopping by buying the store cupboard essentials that offer you the best value for money for cheap, tasty recipes for evening meals.
- [Making money as a freelancer: What’s it really like?](https://moneyaware.co.uk/2018/01/making-money-as-a-freelancer-whats-it-really-like/) - My experience of being a self-employed freelancer. How to make money, how to set up a business, budgeting and money management tips for freelance workers.
- [Your New Year debt resolutions](https://moneyaware.co.uk/2010/12/11-new-year-debt-diet-resolutions/) - Before you make a New Year beeline for the gym, why not get your finances in order and consider going on a debt help diet in 2018?
- [Our top 20 articles of 2017](https://moneyaware.co.uk/2017/12/our-top-20-articles-of-2017/) - Here’s a round-up of the most popular debt, money-saving and money-making blog posts we’ve had for 2017.
- [MoneyAware news: October 2017](https://moneyaware.co.uk/2017/10/moneyaware-news-october-2017/) - New CCJ rules called the 'pre-action protocol' come into effect this providing better protection for people in debt. Money news from StepChange MoneyAware
- [On a DMP with us? When to call StepChange](https://moneyaware.co.uk/2012/02/on-a-dmp-with-us-when-to-call-cccs/) - We’re happy to hear from you, especially f you're in difficult circumstances. So give us a call today if you're experiencing one of these five debt issues.
- [5 of the most commonly asked DMP questions this year](https://moneyaware.co.uk/2015/12/5-of-the-most-commonly-asked-dmp-questions-this-year/) - Received CCJ forms? Debt transferred to a collection agency? What happens if my situation changes? We answer the top debt management plan questions.
- [November's debt and money news](https://moneyaware.co.uk/2016/11/novembers-debt-and-money-news/) - Payday loans are causing problems, married couples are missing out on tax allowances and we’re getting a new pound coin. Debt and money news from MoneyAware.
- [20 weird and wonderful ways to make money - part three!](https://moneyaware.co.uk/2016/07/20-weird-and-wonderful-ways-to-make-money-3/) - From walking dogs for cash and queueing up for a fee, here are 20 more weird and wonderful ways some people make extra money and boost their income
- [MoneyAware News: June 2017](https://moneyaware.co.uk/2017/06/moneyaware-news-june-2017/) - The latest debt news from MoneyAware including food inflation, letting agent fees, living on credit, childcare services hub issues and payday loans complaints.
- [October’s top debt and money news](https://moneyaware.co.uk/2016/10/october-2016-debt-news/) - Wonga overcharges customers, a call to cap unarranged overdraft fees and a rise in the minimum wage. It's all in October's debt and money news.
- [How do I get help with childcare costs?](https://moneyaware.co.uk/2017/05/how-do-i-get-help-with-childcare-costs/) - Find out how you can save money on childcare and calculate what benefits you're entitled to as a parent. A step by step guide to cutting the costs of babycare.
- [Debt and money news - May 2017](https://moneyaware.co.uk/2017/05/debt-and-money-news-may-2017/) - Our round-up of all the most interesting news about debt and money. Including stories about energy bill hikes, valuable pound coins and unexpected costs.
- [March's debt and money news](https://moneyaware.co.uk/2016/03/marchs-debt-and-money-news/) - It's all happening in this month's debt news. TV license needed for iPlayer, N244 application fee rises, bankruptcy changes and FCA refuses PDHL authorisation.
- [The top 5 debt and money news stories for February 2017](https://moneyaware.co.uk/2017/02/our-top-5-debt-and-money-news-february-2017/) - The latest debt news for February 2017, including personal debt statistics,
- [February’s debt and money news](https://moneyaware.co.uk/2016/02/februarys-debt-and-money-news/) - Who's not paying minimum wage? Are you eligible for the marriage tax allowance? Why are we calling for 'breathing space'?| Debt news from StepChange MoneyAware
- [Planning a baby on a budget](https://moneyaware.co.uk/2017/03/planning-a-baby-on-a-budget/) - Read our tips to help you cope financially when preparing for the arrival of a new baby
- [How to budget on a fluctuating income](https://moneyaware.co.uk/2017/03/how-to-budget-on-a-fluctuating-income/) - Working in the gig economy? Managing on a zero hour’s contract? Read our step by step guide to budgeting on a fluctuating income.
- [April's debt and money news](https://moneyaware.co.uk/2016/04/aprils-debt-and-money-news/) - This month's debt and money news is all about change: from benefits and bankruptcy to wage increases. Find out what's been happening...
- [Why work for StepChange Debt Charity?](https://moneyaware.co.uk/2013/05/why-work-for-stepchange-debt-charity/) - We asked our colleagues to tell us why they loved working for StepChange Debt Charity. If you're going to apply for a job with us you should read this.
- [Let It Snow! How to have free fun in the snow](https://moneyaware.co.uk/2010/12/let-it-snow-how-to-have-free-fun-in-the-snow/) - Instead of cringing at the thought of snowpocalypse why not embrace it, and look at ways to have some free fun in the snow this Christmas?
- [Can I get my creditors to freeze interest and charges?](https://moneyaware.co.uk/2012/06/can-i-get-my-creditors-to-freeze-interest-and-charges/) - A lot of companies claim that they can stop interest and charges but this is rarely true.
- [I owe the Bank of Mum and Dad](https://moneyaware.co.uk/2011/08/i-owe-the-bank-of-mum-and-dad/) - For a lot of people there are less moral issues involved with bank loans. But owe your family/friends & not only do you have debt stress, but emotional stress.
- [Cheap ways to make Christmas magic on a budget](https://moneyaware.co.uk/2015/12/christmas-magic-on-a-budget/) - Christmas doesn’t have to be all about spending money. These festive yet frugal ideas help keep the magic of Christmas alive without breaking the bank.
- [What happens if I win the lottery while I'm in debt?](https://moneyaware.co.uk/2017/09/win-lottery-when-in-debt/) - What happens if you win the lottery while paying debts back? Do you have to pay your debts off if you win the lottery? Budgeting & money-saving. MoneyAware
- [MoneyAware news: September 2017](https://moneyaware.co.uk/2017/09/moneyaware-news-september-2017/) - Latest debt and money news from MoneyAware including benefit deductions, a clampdown on credit cards and looking back on the demise of lender Northern Rock.
- [Cheap meal deal lunches - the MoneyAware challenge](https://moneyaware.co.uk/2017/09/cheap-meal-deal-lunches-the-moneyaware-challenge/) - Looking for cheap lunch ideas? We swapped those pricey supermarket deals for our homemade meal deals. Cheap meal deal ideas from just 40p from MoneyAware.
- [10 myths about IVAs](https://moneyaware.co.uk/2017/08/10-myths-about-ivas/) - We debunk the most common debt myths and urban legends about getting an IVA. Discover the facts about getting debt advice. StepChange.
- [MoneyAware news: August 2017](https://moneyaware.co.uk/2017/08/moneyaware-news-august-2017/) - The latest debt news from MoneyAware, including rising electricity prices, money and mental health, no more 5p bags, the tampon tax, and generous tooth fairies.
- [Where did you learn how to manage money?](https://moneyaware.co.uk/2011/02/where-did-you-learn-how-to-manage-money/) - For something the plays such a big part in our lives, it's interesting to think about where you learnt about money and how to manage it.
- [Christmas money actions: helping you save money](https://moneyaware.co.uk/2011/12/xmas-money-actions-helping-you-save-money-at-christmas/) - With Christmas just around the corner, we launched our #xmasmoneyactions tweets, straightforward and easy to achieve money saving actions on a Christmas theme.
- [11 ways to use up Christmas leftovers](https://moneyaware.co.uk/2015/12/11-ways-to-use-up-christmas-leftovers/) - Here are some ideas to help you use up Christmas leftovers. Just try not to drool over the keyboard as you read them.
- [Summer break for the kids - without breaking the bank](https://moneyaware.co.uk/2011/06/summer-break-for-the-kids-without-breaking-the-bank/) - Want to keep the kids entertained whilst on a budget? Emma shares her idea on how to make the money last throughout the summer holidays
- [Equity release: Making the most of a debt-free retirement](https://moneyaware.co.uk/2012/02/equity-release-making-the-most-of-a-debt-free-retirement/) - People who own their homes could consider equity release as a possible solution to meet any money shortfall.
- [I don’t want my credit rating to be affected!](https://moneyaware.co.uk/2011/06/i-don’t-want-my-credit-rating-to-be-affected/) - How important is your credit rating? Getting help with your debts first should be a priority
- [10 UK personal debt stats that will astound you](https://moneyaware.co.uk/2011/08/10-uk-personal-debt-stats-that-will-astound-you/) - Recently StepChange Debt Charity released Debt and the Household, focusing on how British families were coping financially during these austerity times
- [Debt and money related letters: what to do and how to respond](https://moneyaware.co.uk/2011/09/what-financial-letters-can-you-get-and-what-should-you-do/) - Received a bill or letter about debt or money you owe? How to respond, what forms you need to fill in, and how to get free debt advice. StepChange MoneyAware.
- [A Christmas banquet on the cheap](https://moneyaware.co.uk/2011/12/a-thrifty-christmas-dinner/) - The earlier you start to plan your Christmas Day blowout, the better. For many it’s the most important meal of the year but you don’t have to fork out a fortune
- [How to survive the January money pinch](https://moneyaware.co.uk/2012/01/how-to-survive-the-january-money-pinch/) - Feeling the post-Christmas pinch? The good news is January is nearly over. In the meantime here are our top tips for surviving that last week before payday.
- [On a DMP? Avoid the temptation of an extra loan](https://moneyaware.co.uk/2012/08/dmp-avoid-extra-loan/) - We look at the reasons why it's not a good idea to take out extra credit whilst on a DMP and what you should do if you find yourself struggling.
- [10 ways to have an old-fashioned Christmas on a budget](https://moneyaware.co.uk/2013/11/10-ways-to-have-an-old-fashioned-christmas-on-a-budget/) - We believe you can still have a great Christmas even if you don’t necessarily have loads of money to spend.
- [10 money mistakes we hear every day and how to avoid them](https://moneyaware.co.uk/2014/10/10-money-mistakes-we-hear-every-day-and-how-to-avoid-them/) - From consolidation loans to paying for debt advice, here are 10 money mistakes we see every day and how to avoid them | Debt advice from StepChange MoneyAware
- [Keep warm, avoid fuel poverty](https://moneyaware.co.uk/2011/09/keep-warm-avoid-fuel-poverty/) - If energy prices continue to rise, so will fuel poverty. Here are our top tips to saving energy this winter without breaking the bank.
- [Stop Loan Sharks: Anne’s story](https://moneyaware.co.uk/2011/11/stop-loan-sharks-annes-story/) - A story from Anne, who was terrorised by an illegal loan shark for five years
- [Don't make the wrong decision when you need debt help](https://moneyaware.co.uk/2012/04/dont-make-the-wrong-decision-when-you-need-debt-help/) - Some people exhaust all options before admitting that they need debt help. So what are these options? And what are the consequences?
- [Spring clean your DMP budget](https://moneyaware.co.uk/2012/04/spring-clean-your-dmp-budget/) - Now could be a good time to take a detailed look at your budget. Could you spruce up a few areas and make savings that will help you before summer?
- [What happens to my debts if I die?](https://moneyaware.co.uk/2012/07/what-happens-to-my-debts-if-i-die/) - We sometimes deal with people with very serious health conditions who are under the impression that once they die any debt they have will be written off.
- [Money, your relationship and Christmas](https://moneyaware.co.uk/2012/12/money-your-relationship-and-christmas/) - Christmas stress has many couples bickering over the most trivial things. Here's a list of Relate’s best relationship remedies help you stick together.
- [I'm on a DMP and work for StepChange Debt Charity](https://moneyaware.co.uk/2015/10/on-a-dmp-and-work-for-stepchange-debt-charity/) - Jonathon was on a DMP with StepChange Debt Charity and now works in the Helpline. After getting our advice he decided to come work for us.
- [Hearts, like credit files, will mend given time](https://moneyaware.co.uk/2012/07/hearts-like-credit-files-will-mend-given-time-2/) - Working as a debt advisor it soon becomes clear that relationships and money are all very closely intertwined.
- [Your relationship, your debt and your mental health](https://moneyaware.co.uk/2013/05/your-relationship-your-debt-and-your-mental-health/) - There are few scenarios more isolating than worrying about debt and not being able to talk to those you love the most about it. We can help.
- [Words of wisdom from our debt-free clients](https://moneyaware.co.uk/2011/11/10-amazing-words-of-wisdom-from-our-debt-free-clients/) - When we interviewed some ex-clients they gave us some brilliant money and debt quotes that they live their lives by. Here are their top 10 words of wisdom!
- [What happens if I win the lottery while I'm in debt?](https://moneyaware.co.uk/2011/09/what-happens-if-i-win-the-lottery-while-im-in-debt/) - What happens to you if you win the lottery while you are in a debt mangement plan, IVA or bankruptcy?
- [The end of the affair](https://moneyaware.co.uk/2011/05/the-end-of-the-affair/) - the feeling of doing something about your debts can bring overwhelming confidence and a great sense of achievement. Call us to discuss the best plan of action.
- [How to improve your credit rating after a DMP](https://moneyaware.co.uk/2013/10/how-to-improve-your-credit-rating-after-a-dmp/) - Simple tips to improve your credit rating after completing a DMP. Improve your credit file with these easy to follow steps that are completely free.
- [My debt help](https://moneyaware.co.uk/2011/09/my-debt-help-2/) - Living without a credit safety net was very strange, but we realised that a safety net provided by banks was never really a safety net. It was more like a trap.
- [Life after debt](https://moneyaware.co.uk/2011/03/life-after-debt/) - Today we’re saying goodbye to Sue Elliott, one of the long-serving staff at CCCS, as she retires from the MoneyAware team
- [Is your spending super-sized or super-skinny?](https://moneyaware.co.uk/2014/03/is-your-spending-super-sized-or-super-skinny/) - When it comes to spending people can fall into one of two camps. Are you a super-size spender or a super-skinny spender?
- [How to talk about money with your partner](https://moneyaware.co.uk/2014/10/how-to-talk-about-money-with-your-partner/) - Talk to your partner about cash without causing conflict | Top tips from relationship charity Relate | Money saving advice from StepChange MoneyAware
- [7 ways to use the web and pay off your DMP quicker](https://moneyaware.co.uk/2012/10/7-ways-to-use-the-web-and-pay-off-your-dmp-quicker/) - Tips to help you clear your debts quicker - ways to earn extra cash
- [6 truths about debt I’ve found from working at StepChange Debt Charity](https://moneyaware.co.uk/2014/04/6-truths-about-debt-ive-found-from-working-at-stepchange-debt-charity/) - As this is my last blogpost for MoneyAware and my last day as an employee of StepChange Debt Charity I wanted to sum up what I’ve learned working here.
- [How to deal with spam texts](https://moneyaware.co.uk/2012/11/how-to-deal-with-spam-texts/) - There's a growing problem of spam text messages used to tempt people in to taking out instant short-term loans, PPI reclaiming or help with “wiping off debt”.
- [Customers of these three debt management firms should call their creditors now and seek free debt advice](https://moneyaware.co.uk/2015/05/fca-three-debt-management-firms/) - Sterling Financial Security Limited, Haydon Associates Debt Management Consultants Limited and Clear View Finance have been told to cease trading by the FCA
- [Welfare benefits: Check what you're entitled to](https://moneyaware.co.uk/2012/11/welfare-benefits-check-what-youre-entitled-to/) - The welfare benefits system is there to provide a safety net - use our benefits checker to find out what you’re entitled to.
- [Are fixed energy prices a way to beat rising bills?](https://moneyaware.co.uk/2013/09/are-fixed-energy-prices-a-way-to-beat-rising-bills/) - Find out how to save money on your gas and electricity bills | StepChange MoneyAware - money management advice
- [My debt hell](https://moneyaware.co.uk/2011/09/my-debt-hell/) - We used the cards to pay for groceries, petrol and the withdraw cash to pay the monthly credit card bills. This continued for years, until the credit ran out.
- [What if my circumstances change during my IVA?](https://moneyaware.co.uk/2012/08/what-if-my-circumstances-change-during-my-iva/) - An IVA is a five or six year commitment. That’s a fair stretch of time in anyone’s life and as we know over time, circumstances can change.
- [Can you run away from your debts?](https://moneyaware.co.uk/2012/02/can-you-run-away-from-your-debts/) - There’s a piece of legislation called the Limitation Act. One of main aspects of this is that a debt can become “statute barred” after a period of six years.
- [With debt in mind: the link between mental health and debt](https://moneyaware.co.uk/2013/04/link-between-mental-health-and-debt/) - Few things are more stressful than debt. We're supporting Mental Health Awareness Week 2013. We don't only help with debt, we help with stress.
- [Which bills should I pay first?](https://moneyaware.co.uk/2013/04/which-bills-should-i-pay-first/) - Find out which bills you should pay first. Priority debts are those that, even when you’re struggling, you should focus on paying on time and in full.
- [Taking that first debt-free step](https://moneyaware.co.uk/2011/09/taking-that-first-debt-free-step/) - Being in financial difficulty is not pleasant; you feel embarrassed that people will find out. But what about the phrase “A problem shared is a problem halved”?
- [Nuisance calls: 5 things other countries do that should happen here](https://moneyaware.co.uk/2015/03/nuisance-calls-5-things-other-countries-do-that-should-happen-here/) - We believe that several foreign policies could be used in the UK to reduce nuisance calls. We’ve outlined five vital improvements we would like to see.
- [How to turn your hobby into a business!](https://moneyaware.co.uk/2014/11/how-to-turn-your-hobby-into-a-business/) - Turn your hobby into a business | Make money from the things you enjoy doing in your spare time | Money saving advice from StepChange MoneyAware
- [How to stop debt collector phone calls](https://moneyaware.co.uk/2012/09/how-to-stop-debt-collector-phone-calls/) - Use our handy checklist to find out what you should do if you're receiving debt collector phone calls.
- [Keeping fit on a budget](https://moneyaware.co.uk/2012/12/keeping-fit-on-a-budget/) - Getting fit on a budget. Find out all the tips and tricks to get healthy without having spend loads of cash. Money-saving and health conscious advice.
- [Single life on a shoestring budget – 9 great tips](https://moneyaware.co.uk/2014/01/single-life-on-a-shoestring-budget-9-great-tips/) - Being single and skint doesn't have to mean you can't have any fun. We've got some handy tips that mean you can stay on budget and still have a life!
- [10 ways to stop debt collectors finding you on social media](https://moneyaware.co.uk/2011/08/10-ways-to-stop-debt-collectors-finding-you-on-social-media/) - How can you avoid debt collectors contacting you via social media? Here are 10 quick tips to help you stay safe online!
- [Skint Dad's homemade sniffle sorter-outers!](https://moneyaware.co.uk/2014/12/homemade-cold-cough-flu-remedies/) - Our pal Ricky Willis A.K.A. Skint Dad knows all about the woes of winter illnesses, and has some cheeky homemade remedies to help keep them on ice
- [How to get up to date with rent arrears to avoid eviction](https://moneyaware.co.uk/2012/05/rent-arrears-avoid-eviction/) - If you're falling behind with rent payments and are being chased for rent arrears, we give advice on what you should do to avoid eviction.
- [How to deal with nuisance calls and texts](https://moneyaware.co.uk/2013/10/nuisance-calls-and-texts/) - From forgetting to tick the privacy box on an online form to sending off for competitions, unsolicited marketers can get your info in so many ways. What can be done to stop them?
- [Will you join our #DebtDay campaign?](https://moneyaware.co.uk/2016/01/join-our-debtday-campaign/) - We need to reach the people that need our help, to let them know we’re here to support them. To do this, we’re running a #DebtDay campaign on Monday.
- [Your DMP survival kit - 10 essential articles if you're in debt management](https://moneyaware.co.uk/2013/04/your-dmp-survival-kit-10-essential-articles-if-youre-in-debt-management/) - A collection of articles to help you through your DMP. Practical tips, real life stories and essential information to help you become debt free.
- [Help! I'm on a DMP and my debt has been transferred!](https://moneyaware.co.uk/2013/08/help-my-debt-has-been-transferred/) - Find out what to do if your debt is sold on to another creditor | Expert debt help from StepChange MoneyAware
- [MoneyAware's £3.21 Secret Santa challenge!](https://moneyaware.co.uk/2015/11/secret-santa-challenge/) - Looking for secret santa gift ideas on a budget? We recently set ourselves a thrifty challenge to buy cheap but meaningful presents for eachother.
- [MoneyAware news: July 2017](https://moneyaware.co.uk/2017/07/moneyaware-news-july-2017/) - Find out the latest news on food banks, overdraft charges, wage stagnation, savings via pension and a scam involving customer service phone numbers.
- [5 essential debt questions answered](https://moneyaware.co.uk/2011/07/5-debt-questions-answered/) - We get asked a multitude of questions about debt! If you’re looking for debt help, we’ve got a glut of guides to help answer your questions.
- [Pets not debts: 10 money saving tips for pet owners](https://moneyaware.co.uk/2011/01/pets-not-debts-10-money-saving-tips-for-pet-owners/) - If you are struggling to pay the mortgage and other debts, then it can be difficult to set money aside for a cat or dog.
- [How to become a mystery shopper](https://moneyaware.co.uk/2015/08/how-to-be-a-mystery-shopper/) - Mystery shopping is a smart, flexible way to get paid while you shop. You can even earn freebies! Ruth from Save The Student tells you how to get started.
- [5 cheep ways to make Easter egg-stra special](https://moneyaware.co.uk/2015/03/5-cheep-ways-to-make-easter-egg-stra-special/) - Cheap and cheerful Easter activities and recipes to bring your little ones out of their shells | Money-saving tips from StepChange MoneyAware
- [6 StepChange debt management plan (DMP) survival tips](https://moneyaware.co.uk/2011/06/6-cccs-debt-management-plan-dmp-survival-tips/) - With our fantastic guide to debt management plans (DMPs) on the BBC website we thought we’d look at the best tips for surviving when you’re on one.
- [7 cheap DIY Halloween costumes for kids](https://moneyaware.co.uk/2015/10/7-cheap-diy-halloween-costumes-for-kids/) - You can always buy a costume, but making one is more fun and often cheaper. Here are some thrifty, spooky costume ideas to keep your little ones happy.
- [How to tell a genuine freebie site from the fakes!](https://moneyaware.co.uk/2015/07/freebie-sites-real-or-fake/) - Want free stuff but don’t know which websites you can trust? MoneyMagpie has some tips on how to tell the freebies from the phonies!
- [7 “bedroom tax” myths that need busting](https://moneyaware.co.uk/2013/03/6-bedroom-tax-myths-that-need-busting/) - Myths about the bedroom tax and what the situation is.
- [Avoid online scams: top tips to help you](https://moneyaware.co.uk/2016/06/tips-to-avoid-online-scams/) - From hacked email accounts, phishing scams or ID fraud there’s a lot to look out for so we've put together some top tips to help you avoid being scammed online.
- [MoneyAware is 5 today - get the party hats out!](https://moneyaware.co.uk/2015/11/moneyaware-is-5-today-get-the-party-hats-out/) - A look back at the last five years of the MoneyAware blog, it's articles and what we'll be doing in the future.
- [When the bank takes your money](https://moneyaware.co.uk/2012/02/bank-takes-your-money-right-of-offset/) - The right of offset means that banks can take money to offset on other debts you owe them. We alway advise to swap to a safe basic bank account elsewhere.
- [Holidays on the cheap - practical ideas for thrifty getaways](https://moneyaware.co.uk/2014/03/holidays-on-the-cheap-practical-ideas-for-thrifty-getaways/) - Advice on how to plan a cheap holiday. Camping, staying with friends, house swapping or a staycation could give you a break without leaving you skint.
- [5 budgeting apps road-tested](https://moneyaware.co.uk/2015/07/5-budgeting-apps-tested/) - Budgeting apps road-tested and reviewed by the MoneyAware team. Find out which is the best app for managing your money. Featuring: Toshl, Monify and Wally.
- [It can be painful, but avoid the payday loan headache](https://moneyaware.co.uk/2011/05/avoid-the-payday-loan-headache/) - A comparison website has revealed that the number of people applying for payday loans has shot up. Is there a better way to find finance?
- [DIY on a budget No.4 | Cheap and cheerful ways to decorate your bedroom](https://moneyaware.co.uk/2015/04/diy-on-a-budget-no-4-cheap-and-cheerful-ways-to-decorate-your-bedroom/) - In this series of blogposts I’m looking at ways to decorate your house on a budget. I’ve combed the web for ways to brighten up your home without lightening your purse. We’ve already looked at cheap ways to revive your living room, revamp your kids’ room, and brighten up your kitchen. Now I’m setting my
- [Equity release: Can the family play a part in the process?](https://moneyaware.co.uk/2012/02/equity-release-can-the-family-play-a-part-in-the-process/) - Over 40% of all equity release transactions now include some aspect of debt consolidation. Given this, should children or beneficiaries be involved?
- [How to save money on your water bill with WaterSure](https://moneyaware.co.uk/2015/02/watersure-how-to-save-money-on-your-water-bill/) - If you’re struggling to pay your water bill, how can WaterSure help? | Save money on your water bill with advice from StepChange MoneyAware
- [9 cheap, easy and homemade hair rescue remedies](https://moneyaware.co.uk/2014/12/cheap-easy-hair-remedies/) - Winter can be harsh on your hair, but hair treatments can be even more brutal on your budget! Give frizz and split ends the boot with these cheap and easy remedies
- [Free exercise apps - get fit for summer](https://moneyaware.co.uk/2015/06/free-exercise-apps-get-fit-for-summer/) - Some of the best free fitness apps around. Whether you’re a beginner who wants to start exercising or a workout pro, hopefully you’ll find an app to suit you.
- [“Can I switch my DMP?”](https://moneyaware.co.uk/2012/01/can-i-switch-my-dmp/) - Many people think that they have to pay for debt advice or for a third party to administrate a debt management plan. This isn't true.
- [Trousering a bargain](https://moneyaware.co.uk/2011/02/trousering-a-bargain/) - I can go into most stores and get a new pair of trousers for £30. To make my money go further I've been looking for ways to get good clothing at a budget price.
- [Treat yourself while sticking to a budget](https://moneyaware.co.uk/2011/08/ten-treat-ideas-to-help-your-budget/) - Occasional treats on a budget. How to treat yourself and have fun for cheap or free while budgeting, saving money or paying off debts. StepChange MoneyAware.
- [10 ways to make extra money to pay off debt](https://moneyaware.co.uk/2015/02/make-extra-money/) - We all know about cutting costs, but did you know there are loads of ways you can make some extra cash here and there?
- [Seen Facebook ads about writing off debt? Get the facts first!](https://moneyaware.co.uk/2015/06/facebook-debt-ads/) - Have you seen ads on Facebook promising to write off your debt? Before you do anything, let's take a look at the facts first!
- [32 ways to save money on your budget](https://moneyaware.co.uk/2014/09/32-ways-to-save-money-on-your-budget/) - Read our top tips on 32 different ways you can slash your spending and get your budget into shape. Reducing your living costs can make a huge difference!
- [IVA: the pros and cons of Individual Voluntary Arrangements](https://moneyaware.co.uk/2011/07/iva-the-pros-and-cons-of-individual-voluntary-arrangements/) - Want an Individual Voluntary Arrangement? IVAs are a form of insolvency and you should check the risks and benefits involved first. StepChange MoneyAware.
- [What to do if creditors keep contacting you](https://moneyaware.co.uk/2011/06/what-to-do-when-creditors-keep-phoning-you-2/) - Being contacted by creditors? What to do if you're dealing with debts and bills but still getting phone calls from companies that you owe money to. MoneyAware
- [9 indisputable debt facts](https://moneyaware.co.uk/2012/08/9-indisputable-debt-facts/) - Debt law can easily be mis-understood, below are 9 things people often get confused about.
- [Enjoy London Fashion Week without using credit](https://moneyaware.co.uk/2011/02/be-fashionable-without-the-credit-card-burnout/) - Want to look stylish for cheap? Get the London Fashion Week look without using credit. Thrifty fashion tips from blogger Penny Golighty. StepChange MoneyAware
- [Your debt help checklist: 4 steps you can take now towards a debt free future](https://moneyaware.co.uk/2012/11/your-debt-help-checklist-4-steps-you-can-take-now-towards-a-debt-free-future/) - We always recommend that you seek free and impartial advice but what documentation do you need to gather before you phone us?
- [Avoid the “bedroom tax”: reduce the impact of the under occupancy charge](https://moneyaware.co.uk/2013/03/avoid-the-bedroom-tax-reduce-the-impact-of-the-under-occupancy-charge/) - The "bedroom tax" (commonly known as the under occupancy charge) could lead to a reduction in housing benefit. Find out more about this 2013 benefit change.
- [I resolve to start an emergency fund this year](https://moneyaware.co.uk/2011/01/i-resolve-to-start-an-emergency-fund-this-year/) - An emergency or rainy day fund can help you deal with unexpected expenses. Cover costs such as vet bills, car repairs, debt or job loss. Free advice. StepChange
- [How to keep the kids occupied this summer for less](https://moneyaware.co.uk/2017/08/a-bumper-blogpost-of-ideas-to-keep-the-kids-occupied-this-summer/) - Free days out and local activities to keep kids busy this summer holidays. Find free events in your area, discount vouchers, activities and places to visit.
- [How to make money on eBay](https://moneyaware.co.uk/2017/05/how-to-make-money-on-ebay/) - We provide a step-by-step guide to getting started on eBay. Read our top tips and find out how to start making money on eBay today.
- [What to sell on eBay](https://moneyaware.co.uk/2017/08/what-to-sell-on-ebay/) - What sells on eBay? Discover the items most likely to help you earn some extra cash from games consoles to football shirts. Find out what to sell on eBay.
- [How to clean up your credit file after an IVA](https://moneyaware.co.uk/2012/05/how-to-clean-up-your-credit-file-after-an-iva/) - It’s a happy day when your individual voluntary arrangement (IVA) with StepCHangeVA finally ends.
- [How to save money on school uniforms, meals and travel](https://moneyaware.co.uk/2017/07/how-to-save-money-on-school-uniforms-meals-and-travel/) - Cheap Uniforms and Help With Covering Uniform Costs. Where to Find Bargains on School Uniforms. Keep Back To School Costs Down. StepChange Debt Charity.
- [8 ways to save money on your mortgage](https://moneyaware.co.uk/2017/07/ways-to-save-money-on-your-mortgage/) - Reduce your mortgage costs and move away from standard variable (SVR), get a better deal with your provider, review your term and look at mortgage overpayments.
- [Money worries: how cancer can affect your finances](https://moneyaware.co.uk/2017/07/money-worries-how-cancer-can-affect-your-finances/) - Most people affected by cancer experience money worries. Read Laura's story on how cancer affected her finances and how Macmillan helped support her.
- [Welcome to the MoneyAware blog](https://moneyaware.co.uk/2010/11/welcome-to-the-moneyaware-blog/) - Welcome to the MoneyAware blog. We want to promote wise use of credit, to stop you falling into the trap of problem debt in the first place.
- [Can I get a mortgage while on a DMP?](https://moneyaware.co.uk/2017/07/can-i-get-a-mortgage-while-on-a-dmp/) - Can I qualify for a mortgage when I'm in debt management? Getting your first house while in debt means looking at your credit ratings, deposits and qualifying.
- [10 things your Nan can teach you about budgeting](https://moneyaware.co.uk/2017/03/10-things-your-nan-can-teach-you-about-budgeting/) - Are you living on a DMP, IVA or have you recently filed for Bankruptcy? Read these 10 things Nan can teach you about budgeting in 2017.
- [The 7 main differences between DAS DPPs and DMPs](https://moneyaware.co.uk/2013/06/das-dpp-dmp-differences/) - Confused by DAS, DPP and DMP? Here’s our guide listing the seven biggest differences between two of the most common Scottish debt solutions.
- [5 questions every IVA client asks](https://moneyaware.co.uk/2012/01/5-questions-every-iva-client-asks/) - It’s often a great relief when your IVA is approved. However you probably still have questions that pop up every now and again about your IVA.
- [Don't fall out with family and friends over money](https://moneyaware.co.uk/2017/06/family-and-friends-borrowing/) - Borrowing money from family members or friend can cause arguments. Don't fall out with loved ones over debt. Find out what alternatives are available
- [Top 5 debt and money news stories in March](https://moneyaware.co.uk/2017/03/top-5-debt-and-money-news-stories-in-march/) - Spring budget 2017, increased NIC contributions for self-employed, too many people working overtime for free - this month's top debt and money stories
- [Our top ten articles of 2016](https://moneyaware.co.uk/2016/12/our-top-ten-articles-of-2016/) - Here’s a round-up of the most popular debt and money-saving blogposts we’ve had in this bumper year for the blog.
- [Are you a secret spender?](https://moneyaware.co.uk/2016/10/are-you-a-secret-spender/) - Spending pitfalls are everywhere, from the supermarket to the fair. In a world where consumerism is pushing us to spend, are you guilty of spending without thinking?
- [How to keep your household bills on track](https://moneyaware.co.uk/2016/08/which-emindme-bill-payment-reminder-tool/) - Easy to use and free of charge, emindme helps you stay on top of your household bills, contracts and insurance policies.
- [Which organisations are treating our clients unfairly?](https://moneyaware.co.uk/2016/07/which-organisations-are-treating-our-clients-unfairly/) - People feel that they’re not being treated fairly by the companies they owe money to. That’s the message we received from our clients in our recent research.
- [July’s money and debt news](https://moneyaware.co.uk/2016/07/julys-money-and-debt-news/) - Find out How Brexit affects your finances. Increases to Bankruptcy Fees and Universal Credit delays. Which creditors are most unfair to people in debt?
- [How will the April 2016 benefit changes affect my DMP?](https://moneyaware.co.uk/2016/02/2016-benefit-changes-my-dmp/) - We’ve summarised the biggest benefit changes, when they’ll happen and who’s likely to be affected by them. We've also looked at how they may affect your DMP.
- [Official warning: watch out for lousy Christmas loans!](https://moneyaware.co.uk/2015/12/christmas-loan-scam/) - Need Christmas cash? Watch out for dodgy lenders who aren’t regulated by the FCA. It could cause you a lot of trouble this festive season. StepChange.
- [Fakeaways vs. takeaways](https://moneyaware.co.uk/2014/05/fakeaways-vs-takeaways/) - Ricky aka Skint Dad tells us why he ditches expensive takeaways for thrifty 'fakeaways', showing you how to make the switch and save money this Saturday night!
- [Ignore it](https://moneyaware.co.uk/2010/11/ignore-it/) - The credit cards have been paid so it can’t be them. You’re not expecting anyone to come round and you’re home alone with the kids...
- [Are you really on an IVA? Are you sure?](https://moneyaware.co.uk/2011/04/are-you-really-on-an-iva/) - Sadly, in my day-to-day job I still come across people who believe that they are in an IVA when they’re not.
- [Lump sum IVAs](https://moneyaware.co.uk/2011/05/lump-sum-ivas-an-insolvency-secret/) - Most of us know about IVAs. But what about the lesser-known IVA – the lump sum IVA?
- [How to prepare for a DMP review](https://moneyaware.co.uk/2011/08/how-to-prepare-for-a-dmp-review/) - Here are some useful pointers when preparing for a review of your debt management plan
- [25 euphemisms for “You've been made redundant”](https://moneyaware.co.uk/2011/11/25-euphemisms-for-youve-been-made-redundant/) - We list 25 euphemisms used by management to try to soften the blow of redundancy or being made redundant.
- [Top tips for a frugal Christmas](https://moneyaware.co.uk/2011/11/top-tips-for-a-frugal-christmas/) - Read our moneysaving tips for Christmas. You can be frugal and still have a great time.
- [I’m debt free – this is how I did it](https://moneyaware.co.uk/2011/11/im-debt-free-this-is-how-i-did-it/) - The MoneyAware team recently travelled to London to meet with one of our former clients, Niki, who had just completed a debt management plan (DMP).
- [8 ways to complain and get what you want](https://moneyaware.co.uk/2011/12/8-ways-to-complain-and-get-what-you-want/) - How can you complain without being brushed off? Here are 8 simple steps to help you complain and get what you want.
- [I’m a celebrity, make me bankrupt! 10 well-known bankruptcies](https://moneyaware.co.uk/2011/12/im-a-celebrity-make-me-bankrupt-10-well-known-bankruptcies/) - Bankruptcy can happen to anyone, regardless of wealth, status or celebrity.
- [Make 2012 the year you get to know your credit report](https://moneyaware.co.uk/2012/01/make-2012-the-year-you-get-to-know-your-credit-report/) - For many people credit checks are a bit of a mystery. Am I on a blacklist? Will checking my info lower my credit rating? Will my record show a credit refusal?
- [How to prepare for your IVA annual review](https://moneyaware.co.uk/2012/01/how-to-prepare-for-your-iva-annual-review/) - People get scared by the annual IVA review process, but don’t worry. StepChangeVA have designed the process to make it as simple as possible for you.
- [Celebrating the lightbulb moment](https://moneyaware.co.uk/2012/02/celebrating-the-lightbulb-moment/) - When people realise that they can't handle their money worries any longer and ask us for debt advice it's often called "the lightbulb moment".
- [Changes to your DMP are just a matter of circumstance](https://moneyaware.co.uk/2012/03/changes-to-your-dmp-are-just-a-matter-of-circumstance/) - The average DMP takes an average of five years to repay. With plans that span a number of years it’s unrealistic to expect things to always remain the same.
- [The human cost of debt](https://moneyaware.co.uk/2012/03/the-human-cost-of-unmanageable-debt/) - Our new debt video, produced by our press team for the 2011 Stats Yearbook. It features two of our clients, detailing their stories before they found StepChange Debt Charity.
- [Five free things to do in the sunshine this weekend](https://moneyaware.co.uk/2012/05/five-free-things-to-do-in-the-sunshine-this-weekend/) - Things have been a bit miserable lately, bad weather (combined with a drought!), a whole bucket-full of bad news about the economy and to top it all off Britain’s Got Talent is no longer on TV.
- [The stress when debt and relationships collide](https://moneyaware.co.uk/2012/05/the-stress-when-debt-and-relationships-collide/) - At the root of much of the stresses of modern life are two things: money and relationships. When these go wrong, the consequences can be disastrous.
- [Debt, separation and divorce](https://moneyaware.co.uk/2012/07/debt-separation-and-divorce/) - Recently we've been looking at how separation and divorce can quickly lead to unmanageable debt.
- [Facing up to my debts](https://moneyaware.co.uk/2012/09/facing-up-to-my-debts/) - Read Cheryl's real life story of how she found herself in debt, sought help and is now on the road to paying it all off.
- [Why do students get into debt and start borrowing?](https://moneyaware.co.uk/2012/10/why-do-students-get-into-debt-and-start-borrowing/) - Students are not too different from the general public when it comes to money management.
- [If you’re on benefits, changes are coming in 2013](https://moneyaware.co.uk/2012/10/housing-benefit-changes-in-2013/) - Housing benefit and other benefits are changing in April 2013 - do these benefit changes affect you?
- [The payday loan trap: Throwing good money after bad](https://moneyaware.co.uk/2012/10/the-payday-loan-trap-throwing-good-money-after-bad/) - We’ve seen a huge rise in the number people approaching us for debt help after taking out several payday loans and not being able to pay them back.
- [Don't give in to a payday loan this Christmas](https://moneyaware.co.uk/2012/11/payday-loans-arent-just-for-christmas/) - With Christmas coming soon are you tempted by a payday loan? You’ll not be the only one but you have to ask yourself: do you really need it?
- [Can I miss payments into an IVA?](https://moneyaware.co.uk/2012/11/can-i-miss-payments-into-an-iva/) - When you sign up to an IVA you’re signing to say that you’ll stick to the payments outlined in your proposal. What happens if you need to miss a payment?
- [Party on the cheap this Christmas](https://moneyaware.co.uk/2012/12/party-on-the-cheap-this-christmas/) - Christmas is a time for fun, especially if you've got the family coming. Six quick ways to help throw a Christmas party without breaking the bank.
- [We ask Facebook…how do you deal with debt for the first time?](https://moneyaware.co.uk/2013/01/how-do-you-deal-with-debt-for-the-first-time/) - Many of our Facebook followers are moving towards being debt free. We asked them if they had advice for someone facing up to their debt for the first time
- [Credit ratings: facts and fiction](https://moneyaware.co.uk/2013/01/credit-ratings-facts-and-fiction/) - The common myths and misconceptions that exist around the factors that do and don’t affect credit ratings.
- [We ask Facebook – what would you do if your partner refused to get debt advice?](https://moneyaware.co.uk/2013/01/partner-refused-to-get-debt-advice/) - Brenda desperately wanted help with the debts she and her partner had, but he was not ready to seek debt advice. We asked Facebook what she should do.
- [Redundancy and your IVA](https://moneyaware.co.uk/2013/02/redundancy-and-your-iva/) - Redundancy on an IVA is a scary prospect for many. Find out what it means and how you can cope if you're made redundant.
- [The warning signs that your grown-up kids are in debt](https://moneyaware.co.uk/2013/03/the-warning-signs-that-your-grown-up-kids-are-in-debt/) - Young people aged 18-25 are least likely of any age group to seek help with debt when they need it. Are your kids are exhibiting these warning signs?
- [Getting away with debt](https://moneyaware.co.uk/2013/04/getting-away-with-debt/) - We hear lots of rumours about sneaky ways to get debt free quick. Separate the fact from fiction in our round up of "get out of debt quick" schemes.
- [How Samaritans can help you](https://moneyaware.co.uk/2013/05/samaritans-can-help/) - More than 20,000 Samaritans volunteers are on hand to provide a safe place to talk. Calls are completely confidential.
- [Can’t sleep because of your debt problems? Switch the light on](https://moneyaware.co.uk/2013/06/cant-sleep-because-of-debt/) - Are you having trouble sleeping due to debt problems or money worries? If debt is keeping you awake, you don’t even need to pick up the phone to get help.
- [How can I get out of debt?](https://moneyaware.co.uk/2013/06/how-can-i-get-out-of-debt/) - Deal with debt in 5 steps - you recognise you have a debt problem and you want to do something about it.
- [Get debt help this weekend](https://moneyaware.co.uk/2013/06/get-debt-help-this-weekend/) - we recently discovered that over 17,000 people have used our online advice tool Debt Remedy on a Saturday or Sunday since the start of the year. It made us wonder why this might be
- [Bailiffs: ten things you need to know](https://moneyaware.co.uk/2013/06/bailiffs-ten-things-you-need-to-know-video/) - If you're living in fear of a visit from a bailiff watch our new short video. Our bailiff expert Terry Donohoe explains all the facts.
- [5 dos and 5 don’ts that could help make your DMP a success](https://moneyaware.co.uk/2013/07/5-dos-and-5-donts-for-dmp-success/) - Starting a debt management plan (DMP) can be daunting, but there are practical things you can do to make it easier.
- [Signs that your friend could be struggling with debts](https://moneyaware.co.uk/2013/08/signs-your-friend-struggling-with-debts/) - If you suspect that someone you care about is in debt, keep an eye out for these tell-tale signs…
- [Fed up with nuisance calls and texts? Make a complaint](https://moneyaware.co.uk/2013/08/nuisance-calls-and-texts-make-a-complaint/) - Nuisance phone calls and cold-callers are annoying but you don't have to suffer in silence. Find out how you can take action to complain about nuisance calls.
- [What happens if we split up during our joint IVA?](https://moneyaware.co.uk/2013/09/what-happens-if-we-split-up-during-our-joint-iva/) - What happens to your joint and interlocking IVA if your marriage or relationship breaks down?
- [Cheryl’s debt free story - a year on](https://moneyaware.co.uk/2013/09/cheryls-debt-free-story-a-year-on-2/) - It's been a year since Cheryl got in touch for some much needed debt advice, and what a difference a year makes...
- [5 great reasons to get out of debt](https://moneyaware.co.uk/2013/09/5-great-reasons/) - Nobody likes debt, but sometimes we need a bit more encouragement to get going. do you need some inspiration?
- [Switch your energy provider NOW!](https://moneyaware.co.uk/2013/10/switch-your-energy-provider-now/) - Find out how you can save £100's on your energy bills as experts warn massive price hikes are just days away | Money management advice from MoneyAware
- [How to cope with unexpected costs on a DMP](https://moneyaware.co.uk/2013/11/dmp-unexpected-costs/) - How to cope with unexpected costs on a DMP. Try these smart tips to help you manage your money if problems crop up when on a debt management plan.
- [5 famous bankrupts from history](https://moneyaware.co.uk/2013/12/5-famous-bankrupts-from-history/) - Several celebs have had to call in the official receiver when their debts got out of hand, but these famous historical bankrupts might surprise you.
- [A traditional Christmas dinner for a fiver](https://moneyaware.co.uk/2013/12/christmas-budget-money-saving-tips-meal/) - Christmas dinner is a big thing for everyone. The good news is that it doesn’t need to be expensive; we show you how you can do it for around £5 per person!
- [Benefits, credit files & collection tactics - Our most read articles in 2013](https://moneyaware.co.uk/2013/12/benefits-credit-files-collection-tactics-our-most-read-articles-in-2013/) - It’s that time of year where we look back and see what you were reading on MoneyAware during 2013. Payday loans, benefit changes, CCJs all proved popular.
- [Regularly hitting your credit limit (debt danger sign #1)](https://moneyaware.co.uk/2014/01/being-regularly-at-your-credit-limit/) - For Debt Awareness Week we’re discussing debt danger signs. The clearest sign of debt is coming close to or exceeding your credit limit. Does this apply to you?
- [Taking loans to cover payments (debt danger sign #2)](https://moneyaware.co.uk/2014/01/taking-loans-to-cover-payments/) - Taking out a short-term loans is a danger sign of a debt problem. Why should you avoid this debt danger sign?
- [Not paying your priority household bills (debt danger sign #4)](https://moneyaware.co.uk/2014/01/not-paying-your-priority-household-bills/) - Household bills that keep a roof over your head are your priority debts. Why should you always pay these before unsecured credit debts?
- [Borrowing to cover job loss or ill health (debt danger sign #5)](https://moneyaware.co.uk/2014/01/borrowing-to-cover-the-costs-of-unemployment-or-ill-health/) - Why should you avoid borrowing to cover the costs of unemployment or ill health? One of the Debt Awareness Week debt danger signs.
- [3 final reasons why we're Running Debt Awareness Week](https://moneyaware.co.uk/2014/01/why-debt-awareness-friday/) - The debt we've dealt with so far this week clocks in tonight at over a staggering £240m, and it's all down to people deciding that enough is enough.
- [Saving money on clothes: 6 ways to look fabulous on a budget](https://moneyaware.co.uk/2014/02/saving-money-on-clothes-6-ways-to-look-fabulous-on-a-budget/) - Save money on clothes by going to these six thrifty places to grab a bargain on a budget! Find out the places you can go to get clothing at cheap prices.
- [Bailiffs get a makeover: what’s going to happen?](https://moneyaware.co.uk/2014/03/bailiff-law-changes-2014/) - Starting from April 6th bailiff law in England and Wales enters the 21st Century. Find out what the changes are and how they affect you.
- [How can I reduce my childcare costs?](https://moneyaware.co.uk/2014/04/how-can-i-reduce-my-childcare-costs/) - There are a lots of ways you can cut the cost of childcare. We explore the different options and how it can affect your budget.
- [What help can I get towards my childcare costs?](https://moneyaware.co.uk/2014/04/what-help-can-i-get-towards-my-childcare-costs/) - Childcare costs have increased by 77% over the past decade. Find out what help is available to ease the financial pressure.
- [10 incredibly easy ways to cut your family’s supermarket spend](https://moneyaware.co.uk/2014/04/ten-ways-to-cut-family-supermarket-spend/) - It’s easy to overspend on your supermarket bill, so read our tried and tested tips to help you save money.
- [Feeling anxious about debt?](https://moneyaware.co.uk/2014/05/feeling-anxious-about-debt/) - Are you dealing with anxiety over money or debts right now? We’re here for you and can offer advice, client stories and resources to help you stay in control.
- [Worried you might be falling into 'The Debt Trap'?](https://moneyaware.co.uk/2014/05/worried-debt-trap/) - Find out how to avoid the dangers of the debt trap for families with children.
- [Debt Help and Advice Ltd ceases trading](https://moneyaware.co.uk/2014/05/debt-help-and-advice-ltd-ceases-trading/) - Debt Help and Advice limited ceased trading on 20 May 2014. Get advice on what to do if you've been affected and find out about switching to a free DMP.
- [So what is an ombudsman?](https://moneyaware.co.uk/2014/05/so-what-is-an-ombudsman/) - It’s an odd word is ‘ombudsman’. We always thought it sounded a bit Scandinavian. And now we’ve been proved correct, thanks to the Financial Ombudsman Service.
- [5 handy money-saving apps you've probably never heard of](https://moneyaware.co.uk/2014/05/5-great-budgeting-phone-apps-youve-never-heard-of/) - From saving money on petrol to days out on a budget. We take a look at 5 iPhone and Android apps to help cut your costs.
- [My debt management company’s closed down - what can I do?](https://moneyaware.co.uk/2014/07/debt-management-company-closed/) - Several debt management firms have closed down recently - are you affected? We can give you free and confidential debt advice.
- [5 free apps to slash your driving costs](https://moneyaware.co.uk/2014/07/5-free-apps-to-slash-your-driving-costs/) - From cheaper parking to reducing your fuel costs. Here are top 5 free iPhone and Android apps to help slash your driving costs.
- [5 car tips to make your fuel go further](https://moneyaware.co.uk/2014/07/5-car-tips-to-make-your-fuel-go-further/) - Five simple tips that well help you go further from each tank of fuel.
- [8 thrifty ways to enjoy a rainy day](https://moneyaware.co.uk/2014/07/8-thrifty-ways-to-enjoy-a-rainy-day/) - Rainy day activities that are cheap and cheerful. Entertain your children when the weather is bad with this handy tips and ideas. The kids will love them.
- [How I supported my partner through redundancy](https://moneyaware.co.uk/2014/08/how-i-supported-my-partner-through-redundancy/) - It’s important that a person going through redundancy gets the support they need from their partner. Charlotte shares her story.
- [4 cheap ideas for kids' packed lunches](https://moneyaware.co.uk/2014/09/4-cheap-ideas-for-kids-packed-lunches/) - 4 cheap ideas for your kids' packed lunch | Don't get caught out by the morning rush | Top money-saving tips from StepChange MoneyAware
- [Are money worries keeping you awake at night?](https://moneyaware.co.uk/2014/09/are-money-worries-keeping-you-awake-at-night/) - We’ll be launching ‘Need to Sleep’ on Monday, and we need your help to reach as many people as possible. Please find a cuddly toy from your childhood!
- [Scam alert! Have you had an email notice to appear in court?](https://moneyaware.co.uk/2014/11/scam-notice-to-appear-in-court/) - Have you received an email with a notice to appear in court? Here's what to do next | Debt news and money advice from StepChange MoneyAware
- [Will interest rate rises leave you struggling with your mortgage?](https://moneyaware.co.uk/2014/11/interest-rate-rises-struggling-mortgage/) - Worried about mortgage interest rate rises? Find out about what a rise in the base rate of interest could mean for your finances. Advice from StepChange.
- [Child benefit - what are you entitled to? [infographic]](https://moneyaware.co.uk/2014/12/child-benefit-entitlement/) - Find out what benefits and support are available to you during maternity, paternity and beyond if you're an expectant parent.
- [Our 10 most read blogposts of 2014](https://moneyaware.co.uk/2015/01/10-most-read-blogposts-of-2014/) - It’s been a hectic year for us with our busiest days ever on the blog, so what were our most popular posts?
- [5 MoneySavingExpert.com challenges that could change your spending habits for good](https://moneyaware.co.uk/2015/02/5-moneysavingexpert-challenges-that-could-change-your-spending-habits-for-good/) - If there’s one thing that makes budgeting a bit more fun, it’s making a challenge of it! | Money-saving tips and advice from StepChange MoneyAware
- [May's top debt and money news](https://moneyaware.co.uk/2015/05/may-2015-debt-news/) - Confusing energy bills, pension scams and hopefully the end of rip-off letting agency fees. All in this month's debt news.
- [How to renew your Tax credits](https://moneyaware.co.uk/2015/06/how-to-renew-your-tax-credits/) - Renewing Tax credits can be straightforward if you know what information you need to provide. make sure to do it by deadline day on 31 July!
- [Cash Genie to refund £20m: does it affect you?](https://moneyaware.co.uk/2015/07/cash-genie-to-refund-20m-does-it-affect-you/) - Payday loans company Cash Genie has agreed to pay out over £20 million to more than 92,000 customers | Debt news from StepChange MoneyAware
- [Credit card insurance compensation: could you be due a pay-out?](https://moneyaware.co.uk/2015/09/credit-card-insurance-compensation/) - Could you be entitled to claim compensation after being sold unnecessary fraud protection insurance for your credit card? | Money advice from StepChange MoneyAware
- [What are the 2016 benefit changes announced in the Autumn Statement?](https://moneyaware.co.uk/2015/11/2016-benefit-changes-autumn-statement/) - UPDATE: This article was published in November 2015. Make sure you’re up to date with the 2016 benefit changes and how they may affect you. If you’ve been worried about the effects of the changes to tax credits due in the spring, then you’ll hopefully be breathing a sigh of relief today. The Chancellor George Osbourne
- [10 home repairs and DIY fixes you can do yourself](https://moneyaware.co.uk/2016/01/10-home-repairs-and-diy-fixes/) - Knowing how to fix a few things around the home will help to save you some cash. So, here's a quick guide to some simple DIY fixes and home repairs.
- [Warning: debt collection and council tax email scam](https://moneyaware.co.uk/2016/05/debt-collection-council-tax-scam/) - The latest scams to hit our inboxes are convincing emails about council tax bills and debt repayments to local businesses. Here's what to look out for.
- [How Brexit could affect your finances if you’re in debt](https://moneyaware.co.uk/2016/07/how-brexit-could-affect-your-finances-if-youre-in-debt/) - We've put together a summary of how Brexit could affect your finances if you’re in debt. Could leaving the EU could have an impact your debts or your money?
- [9 free ways to boost your happiness](https://moneyaware.co.uk/2016/09/9-free-ways-to-boost-your-happiness/) - Free ways to improve your happiness. Give your well-being a boost with these practical tips to make you feel better without spending any money.
- [We test apps that can save you money in 2017](https://moneyaware.co.uk/2017/05/we-test-apps-that-can-save-you-money-in-2017/) - We've tested four apps that could help you save money, improve your budget and source out bargains. They're all free and available on smart phones.
- [5 IVA survival tips](https://moneyaware.co.uk/2013/09/5-iva-survival-tips/) - Top tips on how to cope once your IVA is approved and up and running. If you follow these four tip top tips your IVA could be a much smoother ride.
- [Bankruptcy: The differences between bankruptcy and an IVA](https://moneyaware.co.uk/2011/12/bankruptcy-the-differences-between-bankruptcy-and-an-iva/) - What are the similarities, and, more importantly, what are the differences, between IVAs and bankruptcy?
- [Our top 20 most-read articles of 2015](https://moneyaware.co.uk/2015/12/our-top-20-most-read-articles-of-2015/) - 2015 has been a big year for us at MoneyAware. We take a look over our most popular articles of the last 12 months| Money-saving tips from StepChange MoneyAware
- [4 apps to make you money](https://moneyaware.co.uk/2016/02/4-apps-to-make-you-money/) - Make money with your mobile phone! Freebies, coupons and cashback all at the touch of a button! | Money-saving tips from StepChange Debt Charity
- [Your IVA questions answered](https://moneyaware.co.uk/2011/07/your-iva-questions-answered/) - To tie in with the 25th birthday of the IVA we try and answer the most obvious questions you might have if you’re considering an IVA.
- [How does your mental health affect your money? Have your say.](https://moneyaware.co.uk/2017/04/how-does-your-mental-health-affect-your-money-have-your-say/) - Debt and mental health problems are linked. The Money and Mental Health Policy Institute are campaigning for improvements for those struggling with debt.
- [Beauty essentials on a budget](https://moneyaware.co.uk/2017/03/budget-beauty-essentials/) - Are you living on a budget? We show you how to swap your everyday makeup essentials for budget beauty alternatives.
- [April's debt and money news](https://moneyaware.co.uk/2017/04/april-debt-and-money-news-2017/) - Explore the latest headlines about debt and money in the UK in April including the Wonga data breach and changes to the minimum wage
- [Our latest research: You’re not alone in debt](https://moneyaware.co.uk/2017/03/stats-yearbook-2016/) - Read the highlights of our latest research into personal debt trends in the UK: more people than ever contacted StepChange for debt advice in 2016.
- [5 ways your credit report could help you deal with debt](https://moneyaware.co.uk/2015/01/credit-report-deal-with-debt/) - One place to start dealing with debt – to prevent it and to recover from it - is to check what’s on your credit report.
- [10 frugal fails you should be avoiding](https://moneyaware.co.uk/2015/02/10-frugal-fails/) - We’re always encouraging people to be frugal. There are times though when your good intentions could cause a money-draining fiasco rather than save you pennies.
- [Don't leave home without these 5 money-saving apps](https://moneyaware.co.uk/2015/03/dont-leave-home-without-these-5-money-saving-apps/) - Want to save money on your next shopping trip? Here’s 5 free apps you shouldn’t leave home without.
- [“If I didn’t pay then the bailiffs would be sent”: Faye and Nick’s story](https://moneyaware.co.uk/2015/03/if-i-didnt-pay-then-the-bailiffs-would-be-sent-faye-and-nicks-story/) - When Nick was made redundant, he and his family soon found themselves in priority debt arrears | Personal debt statistics from StepChange MoneyAware
- [“It completely destroyed my life”: James’ story](https://moneyaware.co.uk/2015/03/it-completely-destroyed-my-life-james-story/) - James found himself in debt and suffering from depression after an illness meant he couldn't work | UK personal debt statistics from StepChange Debt Charity
- [10 clothing tips that'll save you money](https://moneyaware.co.uk/2015/04/10-clothing-tips/) - 10 clothing tips that'll save you money. Make sure your clothes last with these top tips for clothes shopping on a budget and making clothes last longer.
- [20 foods you might be chucking out too soon](https://moneyaware.co.uk/2015/05/20-foods-you-might-be-chucking-out-too-soon/) - Check out these easy-peasy ways you could prolong the lives of your perishables. Just a few small changes can add more longevity to your food.
- [7 ways to cut your medicine costs](https://moneyaware.co.uk/2015/06/7-ways-to-cut-your-medicine-costs/) - Are you entitled to free medicines? Could you get cheaper prescriptions? | Don't cough up more than you need to! | Money-saving advice from StepChange MoneyAware
- [Save money on your car's MOT](https://moneyaware.co.uk/2015/06/save-money-on-your-cars-mot/) - Worried about your upcoming MOT? These simple steps can help keep the car maintenance costs down.
- [How will upcoming benefits changes affect my DMP?](https://moneyaware.co.uk/2015/07/how-will-upcoming-benefits-changes-affect-my-dmp/) - Benefit changes announced in the July 2015 budget will reduce the welfare budget by £12bn. Find out which benefits will change and how it could affect a DMP.
- [People of StepChange: Getting debt advice](https://moneyaware.co.uk/2015/08/people-stepchange-debt-advice/) - Find out from StepChange Debt Charity staff why they love working here and how they help people to deal with their debt problems.
- [When good money-saving recipes go bad](https://moneyaware.co.uk/2015/08/beef-shin-recipe-fail/) - When I was assigned with cooking beef shin I really didn’t know what to expect. find out how badly I got on and what you can do to ensure you do a better job!
- [How much fun can you have for a fiver?](https://moneyaware.co.uk/2015/09/how-much-fun-can-you-have-for-a-fiver/) - The MoneyAware team challenge themselves to have fun for a fiver. Movie nights, pamper sessions, a gym day pass and a games night all feature.
- [eBook review: Jump Start your Money Confidence by Penny Golightly](https://moneyaware.co.uk/2015/10/ebook-review-jump-start-your-money-confidence-by-penny-golightly/) - Is money confidence spending wisely, budgeting better or facing your debt problems? Penny Golightly’s new eBook will show that it’s all these things and more.
- [20 clever kitchen hacks to save money and time](https://moneyaware.co.uk/2015/10/20-clever-kitchen-hacks-to-save-money-and-time/) - These crafty kitchen hacks can save you money and help cut down on wasted food.
- [Tasty meals for under a pound - the MoneyAware cheap meals challenge](https://moneyaware.co.uk/2015/10/cheap-meals/) - We challenged ourselves to cook the tastiest meal for under £1 per portion. Cheap meals don’t have to be boring or unhealthy, follow our ideas!
- [Are these energy-saving myths costing you money?](https://moneyaware.co.uk/2015/11/energy-saving-myths/) - I’m on the hunt to find mythical stories about energy-saving tips and tricks. Are they true or false? Only time will tell.
- [Three-ingredient Christmas recipes](https://moneyaware.co.uk/2015/11/three-ingredient-christmas-recipes/) - Save money this Christmas with 3 ingredient ingredient recipes. Tasty, easy meals don't have to cost a fortune and can be made with just a trio of ingredients
- [9 foods you didn’t know you could make at home](https://moneyaware.co.uk/2015/11/9-foods-you-didnt-know-you-could-make-at-home/) - On a tight budget? Recreate the flavours of your favourite foods for a fraction of the cost! | Cheap recipes and money-saving tips from StepChange MoneyAware
- [Watch out for this Facebook scam targeting MoneyAware readers!](https://moneyaware.co.uk/2015/11/facebook-scam-targeting-moneyaware-readers/) - Could you be approached by a pyramid scheme through Facebook? Here's how to tell the fraudsters from the real businesses | Debt news from StepChange MoneyAware
- [Black Friday – Waste of time or useful way to save cash?](https://moneyaware.co.uk/2015/11/black-friday-waste-of-time-or-useful-way-to-save-cash/) - Is Black Friday a waste of time or can it help you to save cash by grabbing bargains. Find out our opinions and get some Black Friday tips.
- [3 essential tips to stay positive with your DMP in January](https://moneyaware.co.uk/2015/12/stay-positive-with-your-dmp/) - January can be a tough time to stick to a strict budget, so here are 3 tips to help keep your DMP on track | Free debt advice from StepChange MoneyAware
- [We’re in this together - The MSE Debt Free Roll of Honour](https://moneyaware.co.uk/2016/01/mse-debt-free-roll-of-honour/) - Hundreds of people post their inspiring success stories and ‘lightbulb moments’ on the Money Saving Expert Debt Free Roll of Honour forum thread.
- ['Treating Customers Fairly': what does it mean and how does it affect you?](https://moneyaware.co.uk/2016/02/treating-customers-fairly/) - The FCA believes that you must be treated fairly as a customer at all times, including when you complain, switch bank accounts, reclaim PPI or seek debt advice
- [5 tips for starting a small business](https://moneyaware.co.uk/2016/02/5-tips-for-starting-a-small-business/) - When Helen's boiler broke, she needed money fast to fix it. So, she started a small business to boost her income. Helen's sharing some tips and what she learned
- [The simple trick that can slash your food bill](https://moneyaware.co.uk/2016/02/the-simple-trick-that-can-slash-your-food-bill/) - Doing a weekly meal plan can save you money, time and hassle. Read our simple guide so you can plan your family’s meals and reduce your food bill.
- [11 ways to save money on your mobile](https://moneyaware.co.uk/2016/02/11-ways-to-save-money-on-your-mobile/) - Save money on your existing phone contract and find out what the cheaper alternatives are. Our top money-saving tips can help you save some cash.
- [Clear your clutter - make some money!](https://moneyaware.co.uk/2016/03/clear-your-clutter-make-some-money/) - Cleaning out your clutter can make you money! Find out how to trade in unwanted clothes, CDs, books and junk for cash to spend on bills, debt and treats.
- [Debt statistics 2015: what we know about personal debt in the UK](https://moneyaware.co.uk/2016/04/debt-statistics-2015-what-we-know-about-personal-debt-in-the-uk/) - How much do people owe on average? What types of debt do they have? Are there some people who are more at risk of debt than others?
- [1m people are missing out on tax credits - are you?](https://moneyaware.co.uk/2016/04/1m-people-are-missing-out-on-tax-credits-are-you/) - The amount you can claim in Universal Credit is less than the equivalent tax credit claim. Start claiming tax credits before it switches to Universal Credit.
- [May's debt and money news](https://moneyaware.co.uk/2016/05/mays-debt-and-money-news/) - Payday loan ads banned by Google, calling off council tax bailiffs and CMA proposals to cap overdraft fees. MoneyAware debt and money news stories for May 2016
- [June’s money and debt news](https://moneyaware.co.uk/2016/06/june-2016-money-and-debt-news/) - Unexpected bills, payday loan complaints, mortgages, breathing space, inheritance and debates over credit card limit increases were hot topics this month.
- [Debt and money news - August 2016](https://moneyaware.co.uk/2016/08/debt-and-money-news-august-2016/) - Bank of England base rate changes, offers of health food, debt in London, scam busting schemes, overdraft reform and much more in this month's debt news.
- [12 recipes everyone should know how to cook](https://moneyaware.co.uk/2016/09/12-recipes-everyone-should-know/) - Cooking from scratch saves money and is healthier, that’s a given. So I’ve spent some time gathering classic recipes that we should all know how to cook.
- [Debt and money news - September 2016](https://moneyaware.co.uk/2016/09/debt-and-money-news-september-2016/) - Payday lender refunds and pays back £34m to customers. RBS wrongly charging interest. New Tax credit firm axed. How do we tackling UK savings crisis?
- [How much is your overdraft costing you?](https://moneyaware.co.uk/2016/10/how-much-is-your-overdraft-costing-you/) - Our latest research reveals the impact unarranged overdraft charges have on those struggling with debt. Find out how to deal with overdraft problems.
- [The MoneyAware retro treats and desserts challenge!](https://moneyaware.co.uk/2016/11/retro-treats-and-desserts/) - Indulge your sweet tooth with these thrifty easy and retro desert recipes! Bread and butter pudding, shortbread biscuits, tottenham cake and butterscotch tart
- [December's debt and money news](https://moneyaware.co.uk/2016/12/decembers-debt-and-money-news-2016/) - How the Autumn Statement will affect you, save on your energy bills, payday loans companies targeting the homeless, and one woman's story of a year of no frills
- [The web's 7 deadly shopping sins](https://moneyaware.co.uk/2011/07/7-deadly-shopping-sins/) - Learn how to curb your spending on the internet and avoid these internet traps that make you part with your cash.
- [Top 5 debt news stories for January 2017](https://moneyaware.co.uk/2017/01/top-5-debt-news-stories-january-2017/) - HSBC announce £4m redress, thousands missing out on little-known NI benefit, consumer credit soars to 2008 levels. HMRC awareness campaign. MoneyAware
- [Unable to get a refund on your card? Get a chargeback!](https://moneyaware.co.uk/2017/01/unable-to-get-a-refund-on-your-card-get-a-chargeback/) - Unable to get a refund from a debt or credit card purchase? You may be able to get money back via a charge back by your bank or card provider.
- [Cheap and easy ways to organise your home   ](https://moneyaware.co.uk/2017/02/cheap-and-easy-ways-to-organise-your-home/) - Sell, donate or repurpose your junk and clutter to make or save some money! MoneyMagpie's Jasmine Birtles can show you how.
- [How can I make money from market research?](https://moneyaware.co.uk/2017/03/make-money-from-market-research/) - Do you want to maximise your income? Get paid for your opinions. Use our guide and learn how to make money from market research.
- [29 surprising uses for shampoo](https://moneyaware.co.uk/2016/12/29-surprising-uses-for-shampoo/) - Ever thought about using shampoo for something other than washing your hair? Nope, me either. Surprisingly though, it has many secret uses!
- [4 simple steps to getting an outfit on a budget](https://moneyaware.co.uk/2013/07/4-simple-steps-to-getting-an-outfit-on-a-budget/) - Our guest fashion blogger, Ruchaune Maynard, brings you her top tips to finding an outfit on a budget!
- [8 practical ways to teach your kids about money](https://moneyaware.co.uk/2014/05/8-practical-ways-to-teach-your-kids-about-money/) - Last month we asked you on Facebook for your best money tips for the kids. Here are some fun ideas to help you get started…
- [Give a priceless promise this Christmas](https://moneyaware.co.uk/2011/12/priceless-promise-certificate/) - Our Christmas Priceless Promise is a certificate you can print to pledge a service. The idea is to offer your time or skills instead of buying a costly present.
- [How to be a thrifty and fabulous wedding guest](https://moneyaware.co.uk/2015/08/wedding-guest-save-money/) - Weddings can mean stress, spiraling expense and debt. Let's look at how wedding gusts can save money on things like travel, hotels, outfits and the big gift!
- [The ultimate Christmas DIY gift guide: part 2](https://moneyaware.co.uk/2014/12/christmas-diy-gift-guide-part-2/) - The MoneyAware team take on a DIY challenge to see if a homemade Christmas is as thrifty as it seems
- [National Vegetarian Week: 5 cheap midweek veggie meals](https://moneyaware.co.uk/2015/05/national-vegetarian-week-5-cheap-midweek-veggie-meals/) - Our favourite cheap midweek vegetarian meals for National Vegetarian Week | Quick and easy family meals | Money-saving tips from StepChange MoneyAware
- [6 simple ways you can live within your means](https://moneyaware.co.uk/2013/03/6-simple-ways-you-can-live-within-your-means/) - When you get help with debt, we always recommend you start thinking about what you can afford, but its difficult to know where to start.
- [Overpayment of benefits – are you getting too much?](https://moneyaware.co.uk/2012/11/overpayment-of-benefits-are-you-getting-too-much/) - Changes in enforcement powers mean that the DWP and local authorities can add a £50 penalty to any benefit overpayment you may owe them (as of publication).
- [Finding the balance: ways to avoid debt](https://moneyaware.co.uk/2013/03/finding-the-balance-ways-to-avoid-debt/) - Although debt might feel like being under a never-ending rain cloud, there are ways you can budget. Take note of our handy hints and save money!
- [10 top tips for moving into your first home](https://moneyaware.co.uk/2014/02/10-top-tips-for-moving-into-your-first-home/) - Sophie Burns, an advisors in our debt helpline, gives tips about moving into your first home based on her experiences. You'll be informed and entertained!
- [Payday loan debt: why your household bills could suffer](https://moneyaware.co.uk/2013/09/payday-loan-debt-household-bills/) - Payday loan, catalogue and doorstep lender debt can quickly get out of hand. Many people in high cost credit debt are defaulting on household bills.
- [Skint Dad’s tips for a cracking Bonfire Night ](https://moneyaware.co.uk/2014/10/skint-dad-bonfire-night/) - Guy Fawkes Night can be a pretty pricey affair. From fireworks to food, Skint Dad has come up with a handful of tips for doing bonfire night on the cheap.
- [9 life-changing reasons why you should have a budget](https://moneyaware.co.uk/2014/03/9-life-changing-reasons-why-you-should-have-a-budget/) - Budgeting! You either love it or hate it (but you should never get bored with it). Here are 9 life-changing reasons you should get a budget.
- [There's a knock at the door...](https://moneyaware.co.uk/2011/02/theres-a-knock-at-the-door/) - There’s a loud knock at the door. Is it best to answer it? Or pretend there’s no one at home?
- [Breathe new life into your tech - revive your old mobile](https://moneyaware.co.uk/2014/08/revive-your-old-mobile/) - Handy ideas for breathing life into your old mobiles and saving you money at the same time.
- [Skint Dad’s top 10 back to school tips](https://moneyaware.co.uk/2014/08/top-ten-back-to-school-tips/) - From uniforms to stationery, head lice to social calendars, Our pal Ricky Willis A.K.A. Skint Dad has written a great guide on all the back to school essentials for the kids.
- [Thrifty birthday gift ideas](https://moneyaware.co.uk/2014/08/thrifty-birthday-gift-ideas/) - Avoid shelling out your money with our free and frugal DIY birthday gift ideas.
- [DIY on a budget: 3. Revamp the kids' bedroom](https://moneyaware.co.uk/2014/08/diy-on-a-budget-3-revamp-the-kids-bedroom/) - Revamp the kids' bedroom on a budget | Cheap and cheerful DIY decorating ideas! | Money saving tips from StepChange MoneyAware
- [7 money related sayings](https://moneyaware.co.uk/2014/03/7-money-related-sayings/) - Find out the origins of seven common money expressions. Find out what "budget", "not worth his salt" and "forking out" mean. What do they mean? Read on...
- [10 things you need to budget for](https://moneyaware.co.uk/2012/05/10-things-you-need-to-budget-for/) - Here are ten expenses that should be included in personal financial budget if you have or need them.
- [Don't panic buy this Christmas](https://moneyaware.co.uk/2011/12/dont-panic-buy-this-christmas/) - How do we avoid the feeling that we haven’t purchased enough, or that we haven’t bought that special person the ‘perfect’ gift?
- [Look swish on a budget!](https://moneyaware.co.uk/2014/02/look-swish-on-a-budget/) - If you want to keep your wardrobe fresh but you're on a budget read on to find out how to 'swish'
- [Reclaiming PPI for free works!](https://moneyaware.co.uk/2012/07/reclaiming-ppi-for-free-works/) - We told our clients that if they want to reclaim PPI they should use the free tools and template letters rather than expensive claims management companies
- [Can I afford to send my kids to uni? University costs for parents](https://moneyaware.co.uk/2014/01/university-costs-for-parents/) - University is expensive and parents often worry about the cost of children going to uni. Our article tells you about the help and student finance available.
- [5 ideas for a crafty Christmas](https://moneyaware.co.uk/2012/12/5-ideas-for-a-crafty-christmas/) - You don't have to be a creative genius to make a present for someone. Check out our list of craft Christmas ideas and save money!
- [Be a Christmas budgeting champ](https://moneyaware.co.uk/2013/10/be-a-christmas-budgeting-champ/) - If you start to prepare for Christmas now you’ll stand a better chance of avoiding being skint in the dark days of January. Here's 10 Christmas budgeting tips!
- [10 things to do in the summer holidays](https://moneyaware.co.uk/2013/07/10-things-to-do-in-the-summer-holidays/) - With the summer holidays coming up, here are my top ten fun things to do on a budget. These tips are what I’ll want to do this summer!
- [We ask...how do you survive the longest month of the year?](https://moneyaware.co.uk/2013/01/surviving-the-longest-month-january-payday/) - January can involve a long wait until payday. Our staff share their money tips to help stretch your finances out until payday.
- [We ask Facebook...what are your life changing money resolutions for 2013?](https://moneyaware.co.uk/2013/01/life-changing-money-resolutions-for-2013/) - Our Facebook followers have suggested some New Year's resolutions for your finances. These financial resolutions will help get your money on track.
- [A beginner's guide to budgeting](https://moneyaware.co.uk/2011/11/a-beginners-guide-to-budgeting/) - So you’ve complied a budget. What do you want out of your budget? What is budgeting? What are the benefits of budgeting?
- [You got a friend: the MSE Debt-Free Wannabe board](https://moneyaware.co.uk/2011/07/you-got-a-friend-the-mse-debt-free-wannabe-board/) - The Debt-Free Wannabe board on MoneySavingExpert exists to confide and share your feelings about debt and how you cope with it.
- [What do you say to your kids if you can't afford something?](https://moneyaware.co.uk/2012/07/what-do-you-say-kids-if-you-cant-afford-something/) - Children are always asking for new stuff. But it can be tough to say no if you can’t afford it. We asked our Facebook followers how they do it.
- [Don’t be a direct debit juggler!](https://moneyaware.co.uk/2011/11/dont-be-a-direct-debit-juggler/) - One of the first signs that your budget isn’t working is that you start to do the direct debit juggle in the lead up to Christmas. It's not a very good idea
- [Be frugal this Christmas: 10 thrifty Xmas tips](https://moneyaware.co.uk/2012/11/be-frugal-this-christmas-10-thrifty-xmas-tips/) - The prospect of Christmas can strike fear into your heart when you’re on a budget, but our ten top tips will help you enjoy Christmas even if money is tight.

## Pages

- [Contact us](https://moneyaware.co.uk/contact/) - StepChange MoneyAware contact us page
- [Credit card debt feedback](https://moneyaware.co.uk/credit-card-debt-your-feedback/) - We want to ensure you're getting the best advice and support possible when dealing with your debts. Please complete our survey form to help us improve our service. Thank you, we've stopped collecting your feedback and have acted on your responses. Thank you for your useful input.
- [Privacy Notice](https://moneyaware.co.uk/privacy-notice/) - Our privacy notice explains how we collect and use personal information about you, in accordance with the General Data Protection Regulation (GDPR)
- [Worried about money?](https://moneyaware.co.uk/worried-about-money/) - Debt help resources from StepChange Debt Charity including Debt Remedy, debt guides to DMPs and bankruptcy and details of our services
- [Cookie Policy](https://moneyaware.co.uk/cookie-policy/) - Our cookie policy explains how and why we use cookies, and includes a declaration of what cookies we use. You can also change your cookie consent on this page.
- [My minimum payment’s gone up. Why?](https://moneyaware.co.uk/creditcards/) - You’ve been making payments on your credit card, store card or catalogue each month. However, you’ve just got a letter from your provider saying they’re going to increase your monthly repayment, or suggested you do so. Why? If you’ve been paying more in interest and charges than the balance for 18 months or longer, this
- [Take financial control](https://moneyaware.co.uk/take-financial-control/) - When you need debt advice, it’s not always easy knowing where to start. You may need to put a budget together, but no one’s told you how, why, or what information's needed. There may be other things that you find overwhelming, such as getting debt balances or making extra money. We've helped people deal with
- [test](https://moneyaware.co.uk/test/)
- [MoneyAware - Spend less, make more, live well](https://moneyaware.co.uk/about/) - Who writes for the StepChange MoneyAware blog and what are our social media guidelines?
- [Help with research into the effects of payday loans](https://moneyaware.co.uk/research-into-payday-loans/) - Have you taken out or been refused a payday loan? Take part in a study with The University of Coventry and earn a £30 Love2Shop voucher.
- [Popular topics](https://moneyaware.co.uk/popular-topics/) - Our MoneyAware debt blog experts work hard to bring you the most useful money tips, debt news and advice. Read our top 10 most popular articles | StepChange MoneyAware

## Categories

- [Budgeting](https://moneyaware.co.uk/category/budgeting/) - Get your money under control! How to put together a budget, and ongoing tips to keep it in check.
- [Making money](https://moneyaware.co.uk/category/making-money/) - Let’s help you find new ways to earn more money! Inspiring ideas for part-time jobs and income opportunities.
- [Saving money](https://moneyaware.co.uk/category/saving-money/) - Easy and practical ways to cut down everyday spending, bills and big expenses such as Christmas and birthdays.
- [Debt news](https://moneyaware.co.uk/category/debt-news/) - How will changes to debt regulations affect you? We give you the easy-to-understand lowdown on what’s going on.
- [Living with debt](https://moneyaware.co.uk/category/living-with-debt/) - You’re not alone! Inspiring stories from people dealing with debt, to help you deal with what life throws at you.
- [Archive](https://moneyaware.co.uk/category/archive/)

## Tags

- [welcome](https://moneyaware.co.uk/tag/welcome/)
- [moneyaware](https://moneyaware.co.uk/tag/moneyaware/)
- [cccs](https://moneyaware.co.uk/tag/cccs/)
- [debt help](https://moneyaware.co.uk/tag/debt-help/)
- [welfare benefits](https://moneyaware.co.uk/tag/welfare-benefits-2/)
- [helpline](https://moneyaware.co.uk/tag/helpline/)
- [Christmas](https://moneyaware.co.uk/tag/christmas/)
- [credit cards](https://moneyaware.co.uk/tag/credit-cards-2/)
- [APR](https://moneyaware.co.uk/tag/apr/)
- [minimum repayments](https://moneyaware.co.uk/tag/minimum-repayments/)
- [debt management plans](https://moneyaware.co.uk/tag/debt-management-plans/)
- [dmp](https://moneyaware.co.uk/tag/dmp/)
- [dmps](https://moneyaware.co.uk/tag/dmps/)
- [debt advice](https://moneyaware.co.uk/tag/debt-advice/)
- [bankruptcy](https://moneyaware.co.uk/tag/bankruptcy/)
- [money saving](https://moneyaware.co.uk/tag/money-saving-2/)
- [debt](https://moneyaware.co.uk/tag/debt/)
- [cut costs](https://moneyaware.co.uk/tag/cut-costs/)
- [thrifty](https://moneyaware.co.uk/tag/thrifty/)
- [save](https://moneyaware.co.uk/tag/save/)
- [debt problem](https://moneyaware.co.uk/tag/debt-problem/)
- [frugal](https://moneyaware.co.uk/tag/frugal/)
- [frugal living](https://moneyaware.co.uk/tag/frugal-living/)
- [save money](https://moneyaware.co.uk/tag/save-money/)
- [uk](https://moneyaware.co.uk/tag/uk/)
- [depression](https://moneyaware.co.uk/tag/depression/)
- [mental health](https://moneyaware.co.uk/tag/mental-health/)
- [wellbeing](https://moneyaware.co.uk/tag/wellbeing/)
- [stress](https://moneyaware.co.uk/tag/stress/)
- [money worries](https://moneyaware.co.uk/tag/money-worries/)
- [moneytip](https://moneyaware.co.uk/tag/moneytip/)
- [money tips](https://moneyaware.co.uk/tag/money-tips/)
- [retirement](https://moneyaware.co.uk/tag/retirement/)
- [money](https://moneyaware.co.uk/tag/money/)
- [redundancy](https://moneyaware.co.uk/tag/redundancy/)
- [resolutions](https://moneyaware.co.uk/tag/resolutions/)
- [new year](https://moneyaware.co.uk/tag/new-year/)
- [income](https://moneyaware.co.uk/tag/income/)
- [debts](https://moneyaware.co.uk/tag/debts/)
- [cash](https://moneyaware.co.uk/tag/cash/)
- [expenditure](https://moneyaware.co.uk/tag/expenditure/)
- [money making](https://moneyaware.co.uk/tag/money-making/)
- [emergency fund](https://moneyaware.co.uk/tag/emergency-fund/)
- [rainy day fund](https://moneyaware.co.uk/tag/rainy-day-fund/)
- [debtday](https://moneyaware.co.uk/tag/debtday/)
- [uk debt](https://moneyaware.co.uk/tag/uk-debt/)
- [debtors](https://moneyaware.co.uk/tag/debtors/)
- [contact](https://moneyaware.co.uk/tag/contact/)
- [credit unions](https://moneyaware.co.uk/tag/credit-unions/)
- [finance](https://moneyaware.co.uk/tag/finance/)
- [credit](https://moneyaware.co.uk/tag/credit/)
- [credit card](https://moneyaware.co.uk/tag/credit-card/)
- [unsecured debt](https://moneyaware.co.uk/tag/unsecured-debt/)
- [twitter](https://moneyaware.co.uk/tag/twitter/)
- [pets](https://moneyaware.co.uk/tag/pets/)
- [insolvency](https://moneyaware.co.uk/tag/insolvency/)
- [iva](https://moneyaware.co.uk/tag/iva/)
- [dro](https://moneyaware.co.uk/tag/dro/)
- [debt relief order](https://moneyaware.co.uk/tag/debt-relief-order/)
- [individual voluntary arrangement](https://moneyaware.co.uk/tag/individual-voluntary-arrangement/)
- [bailiff](https://moneyaware.co.uk/tag/bailiff/)
- [unpaid bills](https://moneyaware.co.uk/tag/unpaid-bills/)
- [unpaid](https://moneyaware.co.uk/tag/unpaid/)
- [late payments](https://moneyaware.co.uk/tag/late-payments/)
- [bills](https://moneyaware.co.uk/tag/bills/)
- [valentines day](https://moneyaware.co.uk/tag/valentines-day/)
- [moneysaving](https://moneyaware.co.uk/tag/moneysaving/)
- [golightly](https://moneyaware.co.uk/tag/golightly/)
- [london fashion week](https://moneyaware.co.uk/tag/london-fashion-week/)
- [clothes](https://moneyaware.co.uk/tag/clothes/)
- [bargain](https://moneyaware.co.uk/tag/bargain/)
- [charity shops](https://moneyaware.co.uk/tag/charity-shops/)
- [ebay](https://moneyaware.co.uk/tag/ebay/)
- [budget](https://moneyaware.co.uk/tag/budget/)
- [life changes](https://moneyaware.co.uk/tag/life-changes/)
- [life story](https://moneyaware.co.uk/tag/life-story/)
- [credit action](https://moneyaware.co.uk/tag/credit-action/)
- [money management](https://moneyaware.co.uk/tag/money-management/)
- [budgeting](https://moneyaware.co.uk/tag/budgeting/)
- [budgeting tools](https://moneyaware.co.uk/tag/budgeting-tools/)
- [money maximisation](https://moneyaware.co.uk/tag/money-maximisation/)
- [car](https://moneyaware.co.uk/tag/car/)
- [hire purchase](https://moneyaware.co.uk/tag/hire-purchase/)
- [car share](https://moneyaware.co.uk/tag/car-share/)
- [car club](https://moneyaware.co.uk/tag/car-club/)
- [collaborative consumption](https://moneyaware.co.uk/tag/collaborative-consumption/)
- [single parents](https://moneyaware.co.uk/tag/single-parents/)
- [children](https://moneyaware.co.uk/tag/children/)
- [tips](https://moneyaware.co.uk/tag/tips/)
- [student loans](https://moneyaware.co.uk/tag/student-loans/)
- [students](https://moneyaware.co.uk/tag/students/)
- [nsmw](https://moneyaware.co.uk/tag/nsmw/)
- [old style student loans](https://moneyaware.co.uk/tag/old-style-student-loans/)
- [new style student loans](https://moneyaware.co.uk/tag/new-style-student-loans/)
- [stats yearbook](https://moneyaware.co.uk/tag/stats-yearbook/)
- [infographic](https://moneyaware.co.uk/tag/infographic/)
- [debt solution](https://moneyaware.co.uk/tag/debt-solution/)
- [debt free](https://moneyaware.co.uk/tag/debt-free/)
- [bankruptcy advice](https://moneyaware.co.uk/tag/bankruptcy-advice/)
- [environment](https://moneyaware.co.uk/tag/environment/)
- [climate week](https://moneyaware.co.uk/tag/climate-week/)
- [energy saving](https://moneyaware.co.uk/tag/energy-saving/)
- [job loss](https://moneyaware.co.uk/tag/job-loss/)
- [personal debt](https://moneyaware.co.uk/tag/personal-debt/)
- [debt counselling](https://moneyaware.co.uk/tag/debt-counselling/)
- [cccs clients](https://moneyaware.co.uk/tag/cccs-clients/)
- [debt consolidation](https://moneyaware.co.uk/tag/debt-consolidation/)
- [consolidate your debt](https://moneyaware.co.uk/tag/consolidate-your-debt/)
- [consolidation loan](https://moneyaware.co.uk/tag/consolidation-loan/)
- [debt solutions](https://moneyaware.co.uk/tag/debt-solutions/)
- [debt consolidation guide](https://moneyaware.co.uk/tag/debt-consolidation-guide/)
- [client](https://moneyaware.co.uk/tag/client/)
- [savings](https://moneyaware.co.uk/tag/savings/)
- [TV](https://moneyaware.co.uk/tag/tv/)
- [coupons](https://moneyaware.co.uk/tag/coupons/)
- [official receiver](https://moneyaware.co.uk/tag/official-receiver/)
- [things to do](https://moneyaware.co.uk/tag/things-to-do/)
- [holidays](https://moneyaware.co.uk/tag/holidays/)
- [holiday](https://moneyaware.co.uk/tag/holiday/)
- [summer](https://moneyaware.co.uk/tag/summer/)
- [lump sum iva](https://moneyaware.co.uk/tag/lump-sum-iva/)
- [ivas](https://moneyaware.co.uk/tag/ivas/)
- [individual voluntary arrangements](https://moneyaware.co.uk/tag/individual-voluntary-arrangements/)
- [credit card debt](https://moneyaware.co.uk/tag/credit-card-debt/)
- [debt problems](https://moneyaware.co.uk/tag/debt-problems/)
- [payday loans](https://moneyaware.co.uk/tag/payday-loans/)
- [loans](https://moneyaware.co.uk/tag/loans/)
- [payday](https://moneyaware.co.uk/tag/payday/)
- [payday cheque](https://moneyaware.co.uk/tag/payday-cheque/)
- [pay cheque](https://moneyaware.co.uk/tag/pay-cheque/)
- [tax credits](https://moneyaware.co.uk/tag/tax-credits/)
- [debt management plan](https://moneyaware.co.uk/tag/debt-management-plan/)
- [credit files](https://moneyaware.co.uk/tag/credit-files/)
- [debt statistics](https://moneyaware.co.uk/tag/debt-statistics/)
- [uniweek](https://moneyaware.co.uk/tag/uniweek/)
- [Summer holidays](https://moneyaware.co.uk/tag/summer-holidays/)
- [debt collection](https://moneyaware.co.uk/tag/debt-collection/)
- [practical debt help](https://moneyaware.co.uk/tag/practical-debt-help/)
- [debt law](https://moneyaware.co.uk/tag/debt-law/)
- [debt checklist](https://moneyaware.co.uk/tag/debt-checklist/)
- [debt tips](https://moneyaware.co.uk/tag/debt-tips/)
- [outgoings](https://moneyaware.co.uk/tag/outgoings/)
- [arrears](https://moneyaware.co.uk/tag/arrears/)
- [debt questions](https://moneyaware.co.uk/tag/debt-questions/)
- [debt answers](https://moneyaware.co.uk/tag/debt-answers/)
- [redundant](https://moneyaware.co.uk/tag/redundant/)
- [social media](https://moneyaware.co.uk/tag/social-media/)
- [debt free wannabe](https://moneyaware.co.uk/tag/debt-free-wannabe/)
- [moneysavingexpert](https://moneyaware.co.uk/tag/moneysavingexpert/)
- [money saving expert](https://moneyaware.co.uk/tag/money-saving-expert/)
- [CCCSVA](https://moneyaware.co.uk/tag/cccsva/)
- [jsa](https://moneyaware.co.uk/tag/jsa/)
- [council tax](https://moneyaware.co.uk/tag/council-tax/)
- [dla](https://moneyaware.co.uk/tag/dla/)
- [housing benefit](https://moneyaware.co.uk/tag/housing-benefit/)
- [clients](https://moneyaware.co.uk/tag/clients/)
- [voluntary agreements](https://moneyaware.co.uk/tag/voluntary-agreements/)
- [iva questions](https://moneyaware.co.uk/tag/iva-questions/)
- [write-off](https://moneyaware.co.uk/tag/write-off/)
- [economy](https://moneyaware.co.uk/tag/economy/)
- [history](https://moneyaware.co.uk/tag/history/)
- [debt collector](https://moneyaware.co.uk/tag/debt-collector/)
- [debt agency](https://moneyaware.co.uk/tag/debt-agency/)
- [debt collection agencies](https://moneyaware.co.uk/tag/debt-collection-agencies/)
- [collection agency](https://moneyaware.co.uk/tag/collection-agency/)
- [spying](https://moneyaware.co.uk/tag/spying/)
- [snooping](https://moneyaware.co.uk/tag/snooping/)
- [social network](https://moneyaware.co.uk/tag/social-network/)
- [family](https://moneyaware.co.uk/tag/family/)
- [friends](https://moneyaware.co.uk/tag/friends/)
- [borrowing](https://moneyaware.co.uk/tag/borrowing/)
- [lending](https://moneyaware.co.uk/tag/lending/)
- [bank of mum and dad](https://moneyaware.co.uk/tag/bank-of-mum-and-dad/)
- [creditor](https://moneyaware.co.uk/tag/creditor/)
- [debt collectors](https://moneyaware.co.uk/tag/debt-collectors/)
- [debt collection agency](https://moneyaware.co.uk/tag/debt-collection-agency/)
- [advice](https://moneyaware.co.uk/tag/advice/)
- [help](https://moneyaware.co.uk/tag/help/)
- [debt and the household](https://moneyaware.co.uk/tag/debt-and-the-household/)
- [household debt](https://moneyaware.co.uk/tag/household-debt/)
- [mortgage arrears](https://moneyaware.co.uk/tag/mortgage-arrears/)
- [rent arrears](https://moneyaware.co.uk/tag/rent-arrears/)
- [bad advice](https://moneyaware.co.uk/tag/bad-advice-2/)
- [debt written off](https://moneyaware.co.uk/tag/debt-written-off/)
- [limitations act](https://moneyaware.co.uk/tag/limitations-act/)
- [financial education](https://moneyaware.co.uk/tag/financial-education/)
- [debt remedy](https://moneyaware.co.uk/tag/debt-remedy/)
- [first step](https://moneyaware.co.uk/tag/first-step/)
- [rbs](https://moneyaware.co.uk/tag/rbs/)
- [basic bank accounts](https://moneyaware.co.uk/tag/basic-bank-accounts/)
- [interest rates](https://moneyaware.co.uk/tag/interest-rates/)
- [joint loans](https://moneyaware.co.uk/tag/joint-loans/)
- [joint and severally liable](https://moneyaware.co.uk/tag/joint-and-severally-liable/)
- [guarantors](https://moneyaware.co.uk/tag/guarantors/)
- [joint accounts](https://moneyaware.co.uk/tag/joint-accounts/)
- [relationships](https://moneyaware.co.uk/tag/relationships/)
- [insolvencies](https://moneyaware.co.uk/tag/insolvencies/)
- [childcare costs](https://moneyaware.co.uk/tag/childcare-costs/)
- [Statute barred](https://moneyaware.co.uk/tag/statute-barred/)
- [colection process](https://moneyaware.co.uk/tag/colection-process/)
- [fuel poverty](https://moneyaware.co.uk/tag/fuel-poverty/)
- [gas](https://moneyaware.co.uk/tag/gas/)
- [electricity](https://moneyaware.co.uk/tag/electricity/)
- [switching](https://moneyaware.co.uk/tag/switching/)
- [martin lewis](https://moneyaware.co.uk/tag/martin-lewis/)
- [equity release](https://moneyaware.co.uk/tag/equity-release-2/)
- [client story](https://moneyaware.co.uk/tag/client-story/)
- [mse forum](https://moneyaware.co.uk/tag/mse-forum/)
- [lottery](https://moneyaware.co.uk/tag/lottery/)
- [lotto](https://moneyaware.co.uk/tag/lotto/)
- [euromillions](https://moneyaware.co.uk/tag/euromillions/)
- [heating](https://moneyaware.co.uk/tag/heating/)
- [right of offset](https://moneyaware.co.uk/tag/right-of-offset/)
- [jobs](https://moneyaware.co.uk/tag/jobs/)
- [default](https://moneyaware.co.uk/tag/default/)
- [credit file](https://moneyaware.co.uk/tag/credit-file/)
- [euphemisms](https://moneyaware.co.uk/tag/euphemisms/)
- [list](https://moneyaware.co.uk/tag/list/)
- [myths](https://moneyaware.co.uk/tag/myths/)
- [CCJ](https://moneyaware.co.uk/tag/ccj/)
- [bailiffs](https://moneyaware.co.uk/tag/bailiffs/)
- [Kids](https://moneyaware.co.uk/tag/kids/)
- [fun](https://moneyaware.co.uk/tag/fun/)
- [halloween](https://moneyaware.co.uk/tag/halloween/)
- [spending](https://moneyaware.co.uk/tag/spending/)
- [video](https://moneyaware.co.uk/tag/video/)
- [debt news](https://moneyaware.co.uk/tag/debt-news/)
- [debt quotes](https://moneyaware.co.uk/tag/debt-quotes/)
- [money quotes](https://moneyaware.co.uk/tag/money-quotes/)
- [sayings](https://moneyaware.co.uk/tag/sayings/)
- [money sayings](https://moneyaware.co.uk/tag/money-sayings/)
- [debt sayings](https://moneyaware.co.uk/tag/debt-sayings/)
- [personal bankruptcy](https://moneyaware.co.uk/tag/personal-bankruptcy/)
- [direct debit](https://moneyaware.co.uk/tag/direct-debit/)
- [juggling](https://moneyaware.co.uk/tag/juggling/)
- [loan shark](https://moneyaware.co.uk/tag/loan-shark/)
- [illegal loans](https://moneyaware.co.uk/tag/illegal-loans/)
- [sharking](https://moneyaware.co.uk/tag/sharking/)
- [stop loan sharks](https://moneyaware.co.uk/tag/stop-loan-sharks/)
- [loan sharking](https://moneyaware.co.uk/tag/loan-sharking/)
- [good news](https://moneyaware.co.uk/tag/good-news/)
- [feelgood](https://moneyaware.co.uk/tag/feelgood/)
- [free of debt](https://moneyaware.co.uk/tag/free-of-debt/)
- [personal budget](https://moneyaware.co.uk/tag/personal-budget/)
- [personal budgeting](https://moneyaware.co.uk/tag/personal-budgeting/)
- [budget tools](https://moneyaware.co.uk/tag/budget-tools/)
- [how to budget](https://moneyaware.co.uk/tag/how-to-budget/)
- [making a budget](https://moneyaware.co.uk/tag/making-a-budget/)
- [black friday](https://moneyaware.co.uk/tag/black-friday/)
- [autumn statement](https://moneyaware.co.uk/tag/autumn-statement/)
- [priceless promise](https://moneyaware.co.uk/tag/priceless-promise/)
- [gift certificate](https://moneyaware.co.uk/tag/gift-certificate/)
- [christmas promise](https://moneyaware.co.uk/tag/christmas-promise/)
- [free certificate](https://moneyaware.co.uk/tag/free-certificate/)
- [download](https://moneyaware.co.uk/tag/download/)
- [certificate](https://moneyaware.co.uk/tag/certificate/)
- [xmas certificate](https://moneyaware.co.uk/tag/xmas-certificate/)
- [complains](https://moneyaware.co.uk/tag/complains/)
- [complaints](https://moneyaware.co.uk/tag/complaints/)
- [bank charges](https://moneyaware.co.uk/tag/bank-charges/)
- [utility problems](https://moneyaware.co.uk/tag/utility-problems/)
- [complaining](https://moneyaware.co.uk/tag/complaining/)
- [individual voluntary agreements](https://moneyaware.co.uk/tag/individual-voluntary-agreements/)
- [bankruptcy comparison](https://moneyaware.co.uk/tag/bankruptcy-comparison/)
- [saving money](https://moneyaware.co.uk/tag/saving-money/)
- [celebrity bankrupt](https://moneyaware.co.uk/tag/celebrity-bankrupt/)
- [celebrity bankruptcies](https://moneyaware.co.uk/tag/celebrity-bankruptcies/)
- [christmas dinner](https://moneyaware.co.uk/tag/christmas-dinner/)
- [panic buying](https://moneyaware.co.uk/tag/panic-buying/)
- [gifts](https://moneyaware.co.uk/tag/gifts/)
- [food](https://moneyaware.co.uk/tag/food/)
- [affordability](https://moneyaware.co.uk/tag/affordability/)
- [credit rating](https://moneyaware.co.uk/tag/credit-rating/)
- [facebook](https://moneyaware.co.uk/tag/facebook/)
- [creditors](https://moneyaware.co.uk/tag/creditors/)
- [debt myths](https://moneyaware.co.uk/tag/debt-myths/)
- [urban legends](https://moneyaware.co.uk/tag/urban-legends/)
- [untruths](https://moneyaware.co.uk/tag/untruths/)
- [finance lies](https://moneyaware.co.uk/tag/finance-lies/)
- [utilities](https://moneyaware.co.uk/tag/utilities/)
- [credit check](https://moneyaware.co.uk/tag/credit-check/)
- [credit refusal](https://moneyaware.co.uk/tag/credit-refusal/)
- [credit rating agencies](https://moneyaware.co.uk/tag/credit-rating-agencies/)
- [experian](https://moneyaware.co.uk/tag/experian/)
- [james jones](https://moneyaware.co.uk/tag/james-jones/)
- [guest blogpost](https://moneyaware.co.uk/tag/guest-blogpost/)
- [court process](https://moneyaware.co.uk/tag/court-process/)
- [county court claim forms](https://moneyaware.co.uk/tag/county-court-claim-forms/)
- [charging order](https://moneyaware.co.uk/tag/charging-order/)
- [attachment of earnings](https://moneyaware.co.uk/tag/attachment-of-earnings/)
- [january](https://moneyaware.co.uk/tag/january/)
- [money pinch](https://moneyaware.co.uk/tag/money-pinch/)
- [questions](https://moneyaware.co.uk/tag/questions/)
- [iva advice](https://moneyaware.co.uk/tag/iva-advice/)
- [annual review](https://moneyaware.co.uk/tag/annual-review/)
- [iva review](https://moneyaware.co.uk/tag/iva-review/)
- [individual vountary arrangement](https://moneyaware.co.uk/tag/individual-vountary-arrangement/)
- [free](https://moneyaware.co.uk/tag/free/)
- [fca](https://moneyaware.co.uk/tag/fca/)
- [lightbulb](https://moneyaware.co.uk/tag/lightbulb/)
- [lightbulb moment](https://moneyaware.co.uk/tag/lightbulb-moment/)
- [answers](https://moneyaware.co.uk/tag/answers/)
- [customer services](https://moneyaware.co.uk/tag/customer-services/)
- [basic bank account](https://moneyaware.co.uk/tag/basic-bank-account/)
- [offsetting](https://moneyaware.co.uk/tag/offsetting/)
- [banking](https://moneyaware.co.uk/tag/banking/)
- [debt avoidance](https://moneyaware.co.uk/tag/debt-avoidance/)
- [statute barred debts](https://moneyaware.co.uk/tag/statute-barred-debts/)
- [limitations debt](https://moneyaware.co.uk/tag/limitations-debt/)
- [money shortfall](https://moneyaware.co.uk/tag/money-shortfall/)
- [mature debt](https://moneyaware.co.uk/tag/mature-debt/)
- [equity](https://moneyaware.co.uk/tag/equity/)
- [families](https://moneyaware.co.uk/tag/families/)
- [beneficiaries](https://moneyaware.co.uk/tag/beneficiaries/)
- [county court judgment](https://moneyaware.co.uk/tag/county-court-judgment/)
- [circumstances](https://moneyaware.co.uk/tag/circumstances/)
- [change](https://moneyaware.co.uk/tag/change/)
- [income changes](https://moneyaware.co.uk/tag/income-changes/)
- [expenditure changes](https://moneyaware.co.uk/tag/expenditure-changes/)
- [spam texts](https://moneyaware.co.uk/tag/spam-texts/)
- [debt texts](https://moneyaware.co.uk/tag/debt-texts/)
- [ppi texts](https://moneyaware.co.uk/tag/ppi-texts/)
- [text messages](https://moneyaware.co.uk/tag/text-messages/)
- [unsolicited text messages](https://moneyaware.co.uk/tag/unsolicited-text-messages/)
- [NASMA](https://moneyaware.co.uk/tag/nasma/)
- [unmanageable debt](https://moneyaware.co.uk/tag/unmanageable-debt/)
- [suicide](https://moneyaware.co.uk/tag/suicide/)
- [self employed](https://moneyaware.co.uk/tag/self-employed/)
- [ppi](https://moneyaware.co.uk/tag/ppi/)
- [payment protection insurance](https://moneyaware.co.uk/tag/payment-protection-insurance/)
- [alternatives](https://moneyaware.co.uk/tag/alternatives/)
- [free debt advice](https://moneyaware.co.uk/tag/free-debt-advice/)
- [loan sharks](https://moneyaware.co.uk/tag/loan-sharks/)
- [overdrafts](https://moneyaware.co.uk/tag/overdrafts/)
- [clear debt](https://moneyaware.co.uk/tag/clear-debt/)
- [#clearaboutdebt](https://moneyaware.co.uk/tag/clearaboutdebt/)
- [debt difference](https://moneyaware.co.uk/tag/debt-difference/)
- [debt terms](https://moneyaware.co.uk/tag/debt-terms/)
- [money terms](https://moneyaware.co.uk/tag/money-terms/)
- [what is an iva](https://moneyaware.co.uk/tag/what-is-an-iva/)
- [finding money](https://moneyaware.co.uk/tag/finding-money/)
- [reclaiming PPI](https://moneyaware.co.uk/tag/reclaiming-ppi/)
- [lost bank accounts](https://moneyaware.co.uk/tag/lost-bank-accounts/)
- [unexpected cash](https://moneyaware.co.uk/tag/unexpected-cash/)
- [expenses](https://moneyaware.co.uk/tag/expenses/)
- [budget guide](https://moneyaware.co.uk/tag/budget-guide/)
- [reclaim](https://moneyaware.co.uk/tag/reclaim/)
- [mis-sold](https://moneyaware.co.uk/tag/mis-sold/)
- [debt alone](https://moneyaware.co.uk/tag/debt-alone/)
- [dealing with debt](https://moneyaware.co.uk/tag/dealing-with-debt/)
- [delay debt](https://moneyaware.co.uk/tag/delay-debt/)
- [bank holiday](https://moneyaware.co.uk/tag/bank-holiday/)
- [stigma](https://moneyaware.co.uk/tag/stigma/)
- [young people](https://moneyaware.co.uk/tag/young-people/)
- [unemployment](https://moneyaware.co.uk/tag/unemployment/)
- [cheap things to do in the sunshine](https://moneyaware.co.uk/tag/cheap-things-to-do-in-the-sunshine/)
- [rent](https://moneyaware.co.uk/tag/rent/)
- [priority bills](https://moneyaware.co.uk/tag/priority-bills/)
- [priority bill](https://moneyaware.co.uk/tag/priority-bill/)
- [priorities](https://moneyaware.co.uk/tag/priorities/)
- [mortgages](https://moneyaware.co.uk/tag/mortgages-2/)
- [reclaiming ppi for free](https://moneyaware.co.uk/tag/reclaiming-ppi-for-free/)
- [ppi free guide](https://moneyaware.co.uk/tag/ppi-free-guide/)
- [threatening](https://moneyaware.co.uk/tag/threatening/)
- [charges](https://moneyaware.co.uk/tag/charges/)
- [interest](https://moneyaware.co.uk/tag/interest/)
- [continuous payment authority](https://moneyaware.co.uk/tag/continuous-payment-authority/)
- [recurring transaction](https://moneyaware.co.uk/tag/recurring-transaction/)
- [bank](https://moneyaware.co.uk/tag/bank/)
- [card issuer](https://moneyaware.co.uk/tag/card-issuer/)
- [payment authority](https://moneyaware.co.uk/tag/payment-authority/)
- [payday loan](https://moneyaware.co.uk/tag/payday-loan/)
- [cancelling](https://moneyaware.co.uk/tag/cancelling/)
- [cancel](https://moneyaware.co.uk/tag/cancel/)
- [cpa](https://moneyaware.co.uk/tag/cpa/)
- [debt avoid](https://moneyaware.co.uk/tag/debt-avoid/)
- [avoid debt](https://moneyaware.co.uk/tag/avoid-debt/)
- [write off your debt](https://moneyaware.co.uk/tag/write-off-your-debt/)
- [debts written off](https://moneyaware.co.uk/tag/debts-written-off/)
- [death](https://moneyaware.co.uk/tag/death/)
- [die](https://moneyaware.co.uk/tag/die/)
- [illness](https://moneyaware.co.uk/tag/illness/)
- [joint finances](https://moneyaware.co.uk/tag/joint-finances/)
- [men and women](https://moneyaware.co.uk/tag/men-and-women/)
- [splitting up](https://moneyaware.co.uk/tag/splitting-up/)
- [divorce](https://moneyaware.co.uk/tag/divorce-2/)
- [separation](https://moneyaware.co.uk/tag/separation/)
- [income shock](https://moneyaware.co.uk/tag/income-shock/)
- [problem](https://moneyaware.co.uk/tag/problem/)
- [claim ppi](https://moneyaware.co.uk/tag/claim-ppi/)
- [ppi letter](https://moneyaware.co.uk/tag/ppi-letter/)
- [bank letter](https://moneyaware.co.uk/tag/bank-letter/)
- [salary](https://moneyaware.co.uk/tag/salary/)
- [bonus](https://moneyaware.co.uk/tag/bonus/)
- [indvidual](https://moneyaware.co.uk/tag/indvidual/)
- [voluntary](https://moneyaware.co.uk/tag/voluntary/)
- [overtime](https://moneyaware.co.uk/tag/overtime/)
- [commission](https://moneyaware.co.uk/tag/commission/)
- [scam](https://moneyaware.co.uk/tag/scam/)
- [letters](https://moneyaware.co.uk/tag/letters/)
- [review](https://moneyaware.co.uk/tag/review/)
- [CA](https://moneyaware.co.uk/tag/ca/)
- [administration](https://moneyaware.co.uk/tag/administration/)
- [length](https://moneyaware.co.uk/tag/length/)
- [changes](https://moneyaware.co.uk/tag/changes/)
- [variation](https://moneyaware.co.uk/tag/variation/)
- [meetings](https://moneyaware.co.uk/tag/meetings/)
- [court](https://moneyaware.co.uk/tag/court/)
- [action](https://moneyaware.co.uk/tag/action/)
- [collection](https://moneyaware.co.uk/tag/collection/)
- [facts](https://moneyaware.co.uk/tag/facts/)
- [priority debts](https://moneyaware.co.uk/tag/priority-debts/)
- [priority debt](https://moneyaware.co.uk/tag/priority-debt/)
- [reclaim ppi](https://moneyaware.co.uk/tag/reclaim-ppi/)
- [baby](https://moneyaware.co.uk/tag/baby/)
- [Full and final](https://moneyaware.co.uk/tag/full-and-final/)
- [settlements](https://moneyaware.co.uk/tag/settlements/)
- [phone calls](https://moneyaware.co.uk/tag/phone-calls/)
- [instore credit](https://moneyaware.co.uk/tag/instore-credit/)
- [buy now pay later](https://moneyaware.co.uk/tag/buy-now-pay-later/)
- [store card](https://moneyaware.co.uk/tag/store-card/)
- [worry](https://moneyaware.co.uk/tag/worry/)
- [friend](https://moneyaware.co.uk/tag/friend/)
- [options](https://moneyaware.co.uk/tag/options/)
- [student debt](https://moneyaware.co.uk/tag/student-debt/)
- [2012 students](https://moneyaware.co.uk/tag/2012-students/)
- [student money management](https://moneyaware.co.uk/tag/student-money-management/)
- [save the student](https://moneyaware.co.uk/tag/save-the-student/)
- [stepchange](https://moneyaware.co.uk/tag/stepchange-2/)
- [stepchange client](https://moneyaware.co.uk/tag/stepchange-client/)
- [stepchange questions](https://moneyaware.co.uk/tag/stepchange-questions/)
- [cccs client](https://moneyaware.co.uk/tag/cccs-client/)
- [multiple](https://moneyaware.co.uk/tag/multiple/)
- [news](https://moneyaware.co.uk/tag/news/)
- [spam](https://moneyaware.co.uk/tag/spam-2/)
- [county court](https://moneyaware.co.uk/tag/county-court/)
- [spam text](https://moneyaware.co.uk/tag/spam-text/)
- [debt text](https://moneyaware.co.uk/tag/debt-text/)
- [wiping off debt](https://moneyaware.co.uk/tag/wiping-off-debt/)
- [benefit](https://moneyaware.co.uk/tag/benefit/)
- [DWP](https://moneyaware.co.uk/tag/dwp/)
- [local authority](https://moneyaware.co.uk/tag/local-authority/)
- [council](https://moneyaware.co.uk/tag/council/)
- [council tax benefit](https://moneyaware.co.uk/tag/council-tax-benefit/)
- [fraud](https://moneyaware.co.uk/tag/fraud/)
- [overpayment](https://moneyaware.co.uk/tag/overpayment/)
- [mistake](https://moneyaware.co.uk/tag/mistake/)
- [forms](https://moneyaware.co.uk/tag/forms/)
- [penalty](https://moneyaware.co.uk/tag/penalty/)
- [government](https://moneyaware.co.uk/tag/government/)
- [ESA](https://moneyaware.co.uk/tag/esa/)
- [claim](https://moneyaware.co.uk/tag/claim/)
- [Completion certificate](https://moneyaware.co.uk/tag/completion-certificate/)
- [payment](https://moneyaware.co.uk/tag/payment/)
- [missed payments](https://moneyaware.co.uk/tag/missed-payments/)
- [stepchange debt charity](https://moneyaware.co.uk/tag/stepchange-debt-charity/)
- [art](https://moneyaware.co.uk/tag/art/)
- [craft](https://moneyaware.co.uk/tag/craft/)
- [cheap](https://moneyaware.co.uk/tag/cheap/)
- [relationship](https://moneyaware.co.uk/tag/relationship/)
- [argument](https://moneyaware.co.uk/tag/argument/)
- [Keep fit](https://moneyaware.co.uk/tag/keep-fit/)
- [gym membership](https://moneyaware.co.uk/tag/gym-membership/)
- [exercise](https://moneyaware.co.uk/tag/exercise/)
- [xmas](https://moneyaware.co.uk/tag/xmas/)
- [party](https://moneyaware.co.uk/tag/party/)
- [advert](https://moneyaware.co.uk/tag/advert/)
- [sleep](https://moneyaware.co.uk/tag/sleep/)
- [new year resolutions](https://moneyaware.co.uk/tag/new-year-resolutions/)
- [money resolutions](https://moneyaware.co.uk/tag/money-resolutions/)
- [life changing](https://moneyaware.co.uk/tag/life-changing/)
- [benefit changes](https://moneyaware.co.uk/tag/benefit-changes/)
- [child benefit](https://moneyaware.co.uk/tag/child-benefit/)
- [universal credit](https://moneyaware.co.uk/tag/universal-credit/)
- [credit reports](https://moneyaware.co.uk/tag/credit-reports/)
- [free things to do](https://moneyaware.co.uk/tag/free-things-to-do-2/)
- [StepChangeVA](https://moneyaware.co.uk/tag/stepchangeva/)
- [benefits changes](https://moneyaware.co.uk/tag/benefits-changes/)
- [payday loan help](https://moneyaware.co.uk/tag/payday-loan-help/)
- [payday loan advice](https://moneyaware.co.uk/tag/payday-loan-advice/)
- [client stories](https://moneyaware.co.uk/tag/client-stories-2/)
- [joint debt](https://moneyaware.co.uk/tag/joint-debt/)
- [invsolvency](https://moneyaware.co.uk/tag/invsolvency/)
- [bankrutpcy](https://moneyaware.co.uk/tag/bankrutpcy/)
- [what is a dro](https://moneyaware.co.uk/tag/what-is-a-dro/)
- [DRO application](https://moneyaware.co.uk/tag/dro-application/)
- [bedroom tax](https://moneyaware.co.uk/tag/bedroom-tax/)
- [shopping](https://moneyaware.co.uk/tag/shopping/)
- [money lessons](https://moneyaware.co.uk/tag/money-lessons/)
- [ebook](https://moneyaware.co.uk/tag/ebook/)
- [application](https://moneyaware.co.uk/tag/application/)
- [moneysavingexpert.com](https://moneyaware.co.uk/tag/moneysavingexpert-com/)
- [mse](https://moneyaware.co.uk/tag/mse/)
- [debt management](https://moneyaware.co.uk/tag/debt-management/)
- [debt depression](https://moneyaware.co.uk/tag/debt-depression/)
- [help with debt](https://moneyaware.co.uk/tag/help-with-debt/)
- [smoking](https://moneyaware.co.uk/tag/smoking/)
- [mother's day](https://moneyaware.co.uk/tag/mothers-day-2/)
- [means](https://moneyaware.co.uk/tag/means/)
- [planning](https://moneyaware.co.uk/tag/planning/)
- [phone apps](https://moneyaware.co.uk/tag/phone-apps/)
- [android](https://moneyaware.co.uk/tag/android/)
- [iphone](https://moneyaware.co.uk/tag/iphone/)
- [home improvements](https://moneyaware.co.uk/tag/home-improvements/)
- [ideal homes show](https://moneyaware.co.uk/tag/ideal-homes-show/)
- [under occupancy](https://moneyaware.co.uk/tag/under-occupancy/)
- [cheap meal ideas](https://moneyaware.co.uk/tag/cheap-meal-ideas/)
- [anxiety](https://moneyaware.co.uk/tag/anxiety/)
- [get out of debt quick](https://moneyaware.co.uk/tag/get-out-of-debt-quick/)
- [Financial stress](https://moneyaware.co.uk/tag/financial-stress/)
- [struggling with debt](https://moneyaware.co.uk/tag/struggling-with-debt/)
- [Debt Arrangement Scheme](https://moneyaware.co.uk/tag/debt-arrangement-scheme/)
- [DAS](https://moneyaware.co.uk/tag/das/)
- [DPP](https://moneyaware.co.uk/tag/dpp/)
- [debt advice in Scotland](https://moneyaware.co.uk/tag/debt-advice-in-scotland-2/)
- [blog](https://moneyaware.co.uk/tag/blog/)
- [mental heath](https://moneyaware.co.uk/tag/mental-heath/)
- [happiness](https://moneyaware.co.uk/tag/happiness/)
- [relax](https://moneyaware.co.uk/tag/relax/)
- [money worry](https://moneyaware.co.uk/tag/money-worry/)
- [wellbeing tips](https://moneyaware.co.uk/tag/wellbeing-tips/)
- [budgeting tips](https://moneyaware.co.uk/tag/budgeting-tips/)
- [debt and mental health](https://moneyaware.co.uk/tag/debt-and-mental-health/)
- [loneliness](https://moneyaware.co.uk/tag/loneliness/)
- [seperation](https://moneyaware.co.uk/tag/seperation/)
- [fitness](https://moneyaware.co.uk/tag/fitness/)
- [parliament](https://moneyaware.co.uk/tag/parliament/)
- [free stuff](https://moneyaware.co.uk/tag/free-stuff/)
- [county court judgement](https://moneyaware.co.uk/tag/county-court-judgement/)
- [budgeting advice](https://moneyaware.co.uk/tag/budgeting-advice/)
- [payday loan debt](https://moneyaware.co.uk/tag/payday-loan-debt/)
- [jobs in debt advice](https://moneyaware.co.uk/tag/jobs-in-debt-advice/)
- [stepchange debt charity jobs](https://moneyaware.co.uk/tag/stepchange-debt-charity-jobs/)
- [money advice vacanies](https://moneyaware.co.uk/tag/money-advice-vacanies/)
- [fathers day](https://moneyaware.co.uk/tag/fathers-day/)
- [gift ideas](https://moneyaware.co.uk/tag/gift-ideas/)
- [last minute](https://moneyaware.co.uk/tag/last-minute/)
- [get out of debt](https://moneyaware.co.uk/tag/get-out-of-debt/)
- [online debt help](https://moneyaware.co.uk/tag/online-debt-help/)
- [sleep problems](https://moneyaware.co.uk/tag/sleep-problems/)
- [weekend](https://moneyaware.co.uk/tag/weekend/)
- [confidential](https://moneyaware.co.uk/tag/confidential/)
- [debt collection process](https://moneyaware.co.uk/tag/debt-collection-process/)
- [letters from creditors](https://moneyaware.co.uk/tag/letters-from-creditors/)
- [uk days out](https://moneyaware.co.uk/tag/uk-days-out/)
- [debt write off](https://moneyaware.co.uk/tag/debt-write-off/)
- [legal debt write off](https://moneyaware.co.uk/tag/legal-debt-write-off/)
- [government debt help](https://moneyaware.co.uk/tag/government-debt-help/)
- [budget advice](https://moneyaware.co.uk/tag/budget-advice/)
- [stepchange clients](https://moneyaware.co.uk/tag/stepchange-clients/)
- [nuisance calls](https://moneyaware.co.uk/tag/nuisance-calls/)
- [cold callers](https://moneyaware.co.uk/tag/cold-callers/)
- [complain about calls](https://moneyaware.co.uk/tag/complain-about-calls/)
- [improve credit rating](https://moneyaware.co.uk/tag/improve-credit-rating/)
- [DMP credit file](https://moneyaware.co.uk/tag/dmp-credit-file/)
- [credit history debt management](https://moneyaware.co.uk/tag/credit-history-debt-management/)
- [apply for credit after DMP](https://moneyaware.co.uk/tag/apply-for-credit-after-dmp/)
- [debt transfers](https://moneyaware.co.uk/tag/debt-transfers/)
- [debts sold on](https://moneyaware.co.uk/tag/debts-sold-on/)
- [penny golightly](https://moneyaware.co.uk/tag/penny-golightly/)
- [living frugally](https://moneyaware.co.uk/tag/living-frugally/)
- [skint](https://moneyaware.co.uk/tag/skint/)
- [joint IVAs](https://moneyaware.co.uk/tag/joint-ivas/)
- [fixed energy tariff](https://moneyaware.co.uk/tag/fixed-energy-tariff/)
- [joint and interlocking IVA](https://moneyaware.co.uk/tag/joint-and-interlocking-iva/)
- [catalogue](https://moneyaware.co.uk/tag/catalogue/)
- [provident](https://moneyaware.co.uk/tag/provident/)
- [missing payment](https://moneyaware.co.uk/tag/missing-payment/)
- [household bills](https://moneyaware.co.uk/tag/household-bills/)
- [testimonial](https://moneyaware.co.uk/tag/testimonial/)
- [mortgage application](https://moneyaware.co.uk/tag/mortgage-application/)
- [bad credit mortgage](https://moneyaware.co.uk/tag/bad-credit-mortgage/)
- [mortgage on a DMP](https://moneyaware.co.uk/tag/mortgage-on-a-dmp/)
- [credit rating mortgage](https://moneyaware.co.uk/tag/credit-rating-mortgage/)
- [cold calls](https://moneyaware.co.uk/tag/cold-calls/)
- [personal injury insurance](https://moneyaware.co.uk/tag/personal-injury-insurance/)
- [which](https://moneyaware.co.uk/tag/which/)
- [energy prices](https://moneyaware.co.uk/tag/energy-prices/)
- [energy price rises](https://moneyaware.co.uk/tag/energy-price-rises/)
- [utility switching](https://moneyaware.co.uk/tag/utility-switching/)
- [limitations act 1980](https://moneyaware.co.uk/tag/limitations-act-1980/)
- [cheap party ideas](https://moneyaware.co.uk/tag/cheap-party-ideas/)
- [trick or treating](https://moneyaware.co.uk/tag/trick-or-treating/)
- [bobbing for apples](https://moneyaware.co.uk/tag/bobbing-for-apples/)
- [ghost stories](https://moneyaware.co.uk/tag/ghost-stories/)
- [budget halloween](https://moneyaware.co.uk/tag/budget-halloween/)
- [Christmas budgeting](https://moneyaware.co.uk/tag/christmas-budgeting/)
- [save christmas money](https://moneyaware.co.uk/tag/save-christmas-money/)
- [water bill](https://moneyaware.co.uk/tag/water-bill/)
- [water arrears](https://moneyaware.co.uk/tag/water-arrears/)
- [bonfire night tips](https://moneyaware.co.uk/tag/bonfire-night-tips/)
- [fireworks code](https://moneyaware.co.uk/tag/fireworks-code/)
- [unwanted contact](https://moneyaware.co.uk/tag/unwanted-contact/)
- [income maximising](https://moneyaware.co.uk/tag/income-maximising/)
- [unexpected costs](https://moneyaware.co.uk/tag/unexpected-costs/)
- [DMP disaster](https://moneyaware.co.uk/tag/dmp-disaster/)
- [Debt management problems](https://moneyaware.co.uk/tag/debt-management-problems/)
- [living costs](https://moneyaware.co.uk/tag/living-costs/)
- [christmas money tips](https://moneyaware.co.uk/tag/christmas-money-tips/)
- [christmas moneysaving](https://moneyaware.co.uk/tag/christmas-moneysaving/)
- [money advice service](https://moneyaware.co.uk/tag/money-advice-service/)
- [abraham lincoln](https://moneyaware.co.uk/tag/abraham-lincoln/)
- [walt disney](https://moneyaware.co.uk/tag/walt-disney/)
- [foreclosure](https://moneyaware.co.uk/tag/foreclosure/)
- [bankruptcy fee](https://moneyaware.co.uk/tag/bankruptcy-fee/)
- [statement of affairs](https://moneyaware.co.uk/tag/statement-of-affairs/)
- [bankruptcy forms](https://moneyaware.co.uk/tag/bankruptcy-forms/)
- [court hearing](https://moneyaware.co.uk/tag/court-hearing/)
- [meal on the cheap](https://moneyaware.co.uk/tag/meal-on-the-cheap/)
- [christmas dinner for under a fiver](https://moneyaware.co.uk/tag/christmas-dinner-for-under-a-fiver/)
- [Christmas tips](https://moneyaware.co.uk/tag/christmas-tips/)
- [cheap christmas meal](https://moneyaware.co.uk/tag/cheap-christmas-meal/)
- [cheap recipes](https://moneyaware.co.uk/tag/cheap-recipes/)
- [discounts](https://moneyaware.co.uk/tag/discounts/)
- [deals](https://moneyaware.co.uk/tag/deals/)
- [budgeting apps](https://moneyaware.co.uk/tag/budgeting-apps/)
- [default notices](https://moneyaware.co.uk/tag/default-notices/)
- [CPAs](https://moneyaware.co.uk/tag/cpas/)
- [CCJs](https://moneyaware.co.uk/tag/ccjs/)
- [student finance](https://moneyaware.co.uk/tag/student-finance/)
- [university costs](https://moneyaware.co.uk/tag/university-costs/)
- [kids going to uni](https://moneyaware.co.uk/tag/kids-going-to-uni/)
- [debt and uni](https://moneyaware.co.uk/tag/debt-and-uni/)
- [single life](https://moneyaware.co.uk/tag/single-life/)
- [budgeting for singles](https://moneyaware.co.uk/tag/budgeting-for-singles/)
- [managing money on your own](https://moneyaware.co.uk/tag/managing-money-on-your-own/)
- [first home](https://moneyaware.co.uk/tag/first-home/)
- [moving out of home](https://moneyaware.co.uk/tag/moving-out-of-home/)
- [moving home tips](https://moneyaware.co.uk/tag/moving-home-tips/)
- [debt danger signs](https://moneyaware.co.uk/tag/debt-danger-signs/)
- [credit limit](https://moneyaware.co.uk/tag/credit-limit/)
- [overdraft](https://moneyaware.co.uk/tag/overdraft/)
- [consolidation loans](https://moneyaware.co.uk/tag/consolidation-loans/)
- [debt consolidation risks](https://moneyaware.co.uk/tag/debt-consolidation-risks/)
- [ill health](https://moneyaware.co.uk/tag/ill-health/)
- [maxing out credit cards](https://moneyaware.co.uk/tag/maxing-out-credit-cards/)
- [taking out loans](https://moneyaware.co.uk/tag/taking-out-loans/)
- [money saving tips](https://moneyaware.co.uk/tag/money-saving-tips/)
- [energy bills](https://moneyaware.co.uk/tag/energy-bills/)
- [cheap clothes](https://moneyaware.co.uk/tag/cheap-clothes/)
- [bargain clothing](https://moneyaware.co.uk/tag/bargain-clothing/)
- [save money on clothes](https://moneyaware.co.uk/tag/save-money-on-clothes/)
- [clothes budget](https://moneyaware.co.uk/tag/clothes-budget/)
- [saving money on clothes](https://moneyaware.co.uk/tag/saving-money-on-clothes/)
- [swishing ideas](https://moneyaware.co.uk/tag/swishing-ideas/)
- [minimum wage](https://moneyaware.co.uk/tag/minimum-wage/)
- [super-size](https://moneyaware.co.uk/tag/super-size/)
- [super-skinny](https://moneyaware.co.uk/tag/super-skinny/)
- [enforcement agent](https://moneyaware.co.uk/tag/enforcement-agent/)
- [repossession](https://moneyaware.co.uk/tag/repossession/)
- [fines](https://moneyaware.co.uk/tag/fines/)
- [magistrates court](https://moneyaware.co.uk/tag/magistrates-court/)
- [money meanings](https://moneyaware.co.uk/tag/money-meanings/)
- [origins of money related sayings](https://moneyaware.co.uk/tag/origins-of-money-related-sayings/)
- [not worth his salt meaning](https://moneyaware.co.uk/tag/not-worth-his-salt-meaning/)
- [cheap holiday ideas](https://moneyaware.co.uk/tag/cheap-holiday-ideas/)
- [free holidays](https://moneyaware.co.uk/tag/free-holidays/)
- [thrifty getaways](https://moneyaware.co.uk/tag/thrifty-getaways/)
- [staycation](https://moneyaware.co.uk/tag/staycation/)
- [credit report](https://moneyaware.co.uk/tag/credit-report/)
- [credit score](https://moneyaware.co.uk/tag/credit-score/)
- [budgeting advantages](https://moneyaware.co.uk/tag/budgeting-advantages/)
- [why should i budget](https://moneyaware.co.uk/tag/why-should-i-budget/)
- [childcare vouchers](https://moneyaware.co.uk/tag/childcare-vouchers/)
- [childcare benefits](https://moneyaware.co.uk/tag/childcare-benefits/)
- [cheap childcare](https://moneyaware.co.uk/tag/cheap-childcare/)
- [working at stepchange](https://moneyaware.co.uk/tag/working-at-stepchange/)
- [jobs at stepchange](https://moneyaware.co.uk/tag/jobs-at-stepchange/)
- [credit history](https://moneyaware.co.uk/tag/credit-history/)
- [skint dad](https://moneyaware.co.uk/tag/skint-dad/)
- [takeaway](https://moneyaware.co.uk/tag/takeaway/)
- [fakeaway](https://moneyaware.co.uk/tag/fakeaway/)
- [food budget](https://moneyaware.co.uk/tag/food-budget/)
- [fast food](https://moneyaware.co.uk/tag/fast-food/)
- [cooking](https://moneyaware.co.uk/tag/cooking/)
- [mental health awareness week](https://moneyaware.co.uk/tag/mental-health-awareness-week-2/)
- [debt stress](https://moneyaware.co.uk/tag/debt-stress/)
- [Debt trap](https://moneyaware.co.uk/tag/debt-trap/)
- [children's society report](https://moneyaware.co.uk/tag/childrens-society-report/)
- [how to avoid debt](https://moneyaware.co.uk/tag/how-to-avoid-debt/)
- [get out of the debt trap](https://moneyaware.co.uk/tag/get-out-of-the-debt-trap/)
- [increase income](https://moneyaware.co.uk/tag/increase-income/)
- [extra cash](https://moneyaware.co.uk/tag/extra-cash/)
- [money making ideas](https://moneyaware.co.uk/tag/money-making-ideas/)
- [boost income](https://moneyaware.co.uk/tag/boost-income/)
- [money maximising](https://moneyaware.co.uk/tag/money-maximising-2/)
- [parenting](https://moneyaware.co.uk/tag/parenting/)
- [Debt help and advice limited](https://moneyaware.co.uk/tag/debt-help-and-advice-limited/)
- [switch to free DMP](https://moneyaware.co.uk/tag/switch-to-free-dmp/)
- [debt help and advice ltd cease trading](https://moneyaware.co.uk/tag/debt-help-and-advice-ltd-cease-trading/)
- [FCA advice on DMP company](https://moneyaware.co.uk/tag/fca-advice-on-dmp-company/)
- [financial ombudsman](https://moneyaware.co.uk/tag/financial-ombudsman/)
- [ombudsman service](https://moneyaware.co.uk/tag/ombudsman-service/)
- [ombudsman video](https://moneyaware.co.uk/tag/ombudsman-video/)
- [mobile phone apps](https://moneyaware.co.uk/tag/mobile-phone-apps/)
- [iphone apps for budgeting](https://moneyaware.co.uk/tag/iphone-apps-for-budgeting/)
- [android budgeting apps](https://moneyaware.co.uk/tag/android-budgeting-apps/)
- [moneysaving apps](https://moneyaware.co.uk/tag/moneysaving-apps/)
- [money-saving](https://moneyaware.co.uk/tag/money-saving-3/)
- [cheap DIY](https://moneyaware.co.uk/tag/cheap-diy/)
- [child maintenance](https://moneyaware.co.uk/tag/child-maintenance/)
- [e-books](https://moneyaware.co.uk/tag/e-books/)
- [e-readers](https://moneyaware.co.uk/tag/e-readers/)
- [watch films online](https://moneyaware.co.uk/tag/watch-films-online/)
- [download music](https://moneyaware.co.uk/tag/download-music/)
- [freebies](https://moneyaware.co.uk/tag/freebies/)
- [arts and crafts](https://moneyaware.co.uk/tag/arts-and-crafts/)
- [wonga](https://moneyaware.co.uk/tag/wonga/)
- [grassroots](https://moneyaware.co.uk/tag/grassroots/)
- [debt help ltd](https://moneyaware.co.uk/tag/debt-help-ltd/)
- [fee charger](https://moneyaware.co.uk/tag/fee-charger/)
- [refund](https://moneyaware.co.uk/tag/refund/)
- [hobbies](https://moneyaware.co.uk/tag/hobbies/)
- [new skills](https://moneyaware.co.uk/tag/new-skills/)
- [blogging](https://moneyaware.co.uk/tag/blogging/)
- [personal development](https://moneyaware.co.uk/tag/personal-development/)
- [travel costs](https://moneyaware.co.uk/tag/travel-costs/)
- [rainy day activities](https://moneyaware.co.uk/tag/rainy-day-activities/)
- [cheap things to do when it rains](https://moneyaware.co.uk/tag/cheap-things-to-do-when-it-rains/)
- [thrifty wet weather ideas](https://moneyaware.co.uk/tag/thrifty-wet-weather-ideas/)
- [keep the kids busy](https://moneyaware.co.uk/tag/keep-the-kids-busy/)
- [summer holiday](https://moneyaware.co.uk/tag/summer-holiday/)
- [debt management company](https://moneyaware.co.uk/tag/debt-management-company/)
- [beauty products](https://moneyaware.co.uk/tag/beauty-products/)
- [The Money Shop](https://moneyaware.co.uk/tag/the-money-shop/)
- [upcycling](https://moneyaware.co.uk/tag/upcycling/)
- [keeping kids entertained](https://moneyaware.co.uk/tag/keeping-kids-entertained/)
- [save money on food](https://moneyaware.co.uk/tag/save-money-on-food/)
- [back to school](https://moneyaware.co.uk/tag/back-to-school/)
- [school uniform](https://moneyaware.co.uk/tag/school-uniform/)
- [september](https://moneyaware.co.uk/tag/september/)
- [school costs](https://moneyaware.co.uk/tag/school-costs/)
- [school dinners](https://moneyaware.co.uk/tag/school-dinners/)
- [mobiles](https://moneyaware.co.uk/tag/mobiles/)
- [phones](https://moneyaware.co.uk/tag/phones/)
- [recipes](https://moneyaware.co.uk/tag/recipes/)
- [DIY](https://moneyaware.co.uk/tag/diy/)
- [presents](https://moneyaware.co.uk/tag/presents/)
- [birthday presents](https://moneyaware.co.uk/tag/birthday-presents/)
- [festive season](https://moneyaware.co.uk/tag/festive-season/)
- [cutting costs](https://moneyaware.co.uk/tag/cutting-costs/)
- [reduce living costs](https://moneyaware.co.uk/tag/reduce-living-costs/)
- [personal budget reductions](https://moneyaware.co.uk/tag/personal-budget-reductions/)
- [save money on bills](https://moneyaware.co.uk/tag/save-money-on-bills/)
- [Need to sleep](https://moneyaware.co.uk/tag/need-to-sleep/)
- [meet paul](https://moneyaware.co.uk/tag/meet-paul/)
- [cuddly toy](https://moneyaware.co.uk/tag/cuddly-toy/)
- [teddy bear](https://moneyaware.co.uk/tag/teddy-bear/)
- [Job interview](https://moneyaware.co.uk/tag/job-interview/)
- [jobseeker](https://moneyaware.co.uk/tag/jobseeker/)
- [life change](https://moneyaware.co.uk/tag/life-change/)
- [make money](https://moneyaware.co.uk/tag/make-money/)
- [own business](https://moneyaware.co.uk/tag/own-business/)
- [Bonfire night](https://moneyaware.co.uk/tag/bonfire-night/)
- [guy fawkes](https://moneyaware.co.uk/tag/guy-fawkes/)
- [firework](https://moneyaware.co.uk/tag/firework/)
- [entertaining on the cheap](https://moneyaware.co.uk/tag/entertaining-on-the-cheap/)
- [family fun](https://moneyaware.co.uk/tag/family-fun/)
- [November 5th](https://moneyaware.co.uk/tag/november-5th/)
- [BrightHouse](https://moneyaware.co.uk/tag/brighthouse/)
- [energy bill](https://moneyaware.co.uk/tag/energy-bill/)
- [baking](https://moneyaware.co.uk/tag/baking/)
- [DIY christmas gifts](https://moneyaware.co.uk/tag/diy-christmas-gifts/)
- [DIY gifts](https://moneyaware.co.uk/tag/diy-gifts/)
- [christmas presents](https://moneyaware.co.uk/tag/christmas-presents/)
- [cheap presents](https://moneyaware.co.uk/tag/cheap-presents/)
- [mortgage interest rate rises](https://moneyaware.co.uk/tag/mortgage-interest-rate-rises/)
- [struggling with mortgages](https://moneyaware.co.uk/tag/struggling-with-mortgages/)
- [DMP and mortgages](https://moneyaware.co.uk/tag/dmp-and-mortgages/)
- [frizzy hair](https://moneyaware.co.uk/tag/frizzy-hair/)
- [homemade hair treatments](https://moneyaware.co.uk/tag/homemade-hair-treatments/)
- [pampering](https://moneyaware.co.uk/tag/pampering/)
- [budget beauty](https://moneyaware.co.uk/tag/budget-beauty/)
- [healthy hair](https://moneyaware.co.uk/tag/healthy-hair/)
- [remedies for hair](https://moneyaware.co.uk/tag/remedies-for-hair/)
- [coughs](https://moneyaware.co.uk/tag/coughs/)
- [colds](https://moneyaware.co.uk/tag/colds/)
- [homemade](https://moneyaware.co.uk/tag/homemade/)
- [winter illnesses](https://moneyaware.co.uk/tag/winter-illnesses/)
- [cheap and cheerful](https://moneyaware.co.uk/tag/cheap-and-cheerful/)
- [flu](https://moneyaware.co.uk/tag/flu/)
- [DIY christmas](https://moneyaware.co.uk/tag/diy-christmas/)
- [thrifty gifts](https://moneyaware.co.uk/tag/thrifty-gifts/)
- [cheap gifts](https://moneyaware.co.uk/tag/cheap-gifts/)
- [DIY presents](https://moneyaware.co.uk/tag/diy-presents/)
- [homemade gifts](https://moneyaware.co.uk/tag/homemade-gifts/)
- [budget food shop](https://moneyaware.co.uk/tag/budget-food-shop/)
- [money saving expert downshift challenge](https://moneyaware.co.uk/tag/money-saving-expert-downshift-challenge/)
- [MAS](https://moneyaware.co.uk/tag/mas/)
- [high cost credit](https://moneyaware.co.uk/tag/high-cost-credit/)
- [debt blogposts](https://moneyaware.co.uk/tag/debt-blogposts/)
- [top 10 of the year](https://moneyaware.co.uk/tag/top-10-of-the-year/)
- [moneymagpie](https://moneyaware.co.uk/tag/moneymagpie/)
- [freestuff](https://moneyaware.co.uk/tag/freestuff/)
- [Northern Rock](https://moneyaware.co.uk/tag/northern-rock/)
- [aditional income](https://moneyaware.co.uk/tag/aditional-income/)
- [frugal fails](https://moneyaware.co.uk/tag/frugal-fails/)
- [thrifty fails](https://moneyaware.co.uk/tag/thrifty-fails/)
- [deal with debt](https://moneyaware.co.uk/tag/deal-with-debt/)
- [experian experts](https://moneyaware.co.uk/tag/experian-experts/)
- [guestblog](https://moneyaware.co.uk/tag/guestblog/)
- [watersure](https://moneyaware.co.uk/tag/watersure/)
- [Perfect Homes](https://moneyaware.co.uk/tag/perfect-homes/)
- [rent to own](https://moneyaware.co.uk/tag/rent-to-own/)
- [household white goods](https://moneyaware.co.uk/tag/household-white-goods/)
- [renting furniture](https://moneyaware.co.uk/tag/renting-furniture/)
- [HMRC](https://moneyaware.co.uk/tag/hmrc/)
- [council tax arrears](https://moneyaware.co.uk/tag/council-tax-arrears/)
- [pension scam](https://moneyaware.co.uk/tag/pension-scam/)
- [make more money](https://moneyaware.co.uk/tag/make-more-money/)
- [get richer](https://moneyaware.co.uk/tag/get-richer/)
- [apps](https://moneyaware.co.uk/tag/apps/)
- [windows phone](https://moneyaware.co.uk/tag/windows-phone/)
- [applications](https://moneyaware.co.uk/tag/applications/)
- [Easter](https://moneyaware.co.uk/tag/easter/)
- [foreign policy](https://moneyaware.co.uk/tag/foreign-policy/)
- [vulnerable customers](https://moneyaware.co.uk/tag/vulnerable-customers/)
- [got their numbe](https://moneyaware.co.uk/tag/got-their-numbe/)
- [illness and debt](https://moneyaware.co.uk/tag/illness-and-debt/)
- [cheaper clothes shopping](https://moneyaware.co.uk/tag/cheaper-clothes-shopping/)
- [clothing tips](https://moneyaware.co.uk/tag/clothing-tips/)
- [make clothes shopping cheaper](https://moneyaware.co.uk/tag/make-clothes-shopping-cheaper/)
- [mobile phones](https://moneyaware.co.uk/tag/mobile-phones/)
- [mindfulness](https://moneyaware.co.uk/tag/mindfulness/)
- [meditation](https://moneyaware.co.uk/tag/meditation/)
- [debt in mind](https://moneyaware.co.uk/tag/debt-in-mind/)
- [deal with stress](https://moneyaware.co.uk/tag/deal-with-stress/)
- [energy efficiency](https://moneyaware.co.uk/tag/energy-efficiency/)
- [pensions](https://moneyaware.co.uk/tag/pensions/)
- [bank accounts](https://moneyaware.co.uk/tag/bank-accounts/)
- [vegetarian](https://moneyaware.co.uk/tag/vegetarian/)
- [Sterling Financial Security](https://moneyaware.co.uk/tag/sterling-financial-security/)
- [Haydon Associates](https://moneyaware.co.uk/tag/haydon-associates/)
- [Clear View finance](https://moneyaware.co.uk/tag/clear-view-finance/)
- [fee chargers](https://moneyaware.co.uk/tag/fee-chargers/)
- [closed debt management firm](https://moneyaware.co.uk/tag/closed-debt-management-firm/)
- [wasting food](https://moneyaware.co.uk/tag/wasting-food/)
- [how to store food properly](https://moneyaware.co.uk/tag/how-to-store-food-properly/)
- [thrifty food tips](https://moneyaware.co.uk/tag/thrifty-food-tips/)
- [food tips](https://moneyaware.co.uk/tag/food-tips/)
- [free exercise apps](https://moneyaware.co.uk/tag/free-exercise-apps/)
- [free workout apps](https://moneyaware.co.uk/tag/free-workout-apps/)
- [free fitness apps](https://moneyaware.co.uk/tag/free-fitness-apps/)
- [how can I get fit for free?](https://moneyaware.co.uk/tag/how-can-i-get-fit-for-free/)
- [cheap medicine](https://moneyaware.co.uk/tag/cheap-medicine/)
- [free medicine](https://moneyaware.co.uk/tag/free-medicine/)
- [free prescriptions](https://moneyaware.co.uk/tag/free-prescriptions/)
- [Renewing tax credits](https://moneyaware.co.uk/tag/renewing-tax-credits/)
- [working tax credits](https://moneyaware.co.uk/tag/working-tax-credits/)
- [child tax credits](https://moneyaware.co.uk/tag/child-tax-credits/)
- [claiming](https://moneyaware.co.uk/tag/claiming/)
- [entitlement](https://moneyaware.co.uk/tag/entitlement/)
- [Tax office](https://moneyaware.co.uk/tag/tax-office/)
- [BBQ tips](https://moneyaware.co.uk/tag/bbq-tips/)
- [MOT](https://moneyaware.co.uk/tag/mot/)
- [ministry of transport test](https://moneyaware.co.uk/tag/ministry-of-transport-test/)
- [car costs](https://moneyaware.co.uk/tag/car-costs/)
- [car maintenance](https://moneyaware.co.uk/tag/car-maintenance/)
- [engine](https://moneyaware.co.uk/tag/engine/)
- [repairs](https://moneyaware.co.uk/tag/repairs/)
- [MOT checklist](https://moneyaware.co.uk/tag/mot-checklist/)
- [write off debt](https://moneyaware.co.uk/tag/write-off-debt/)
- [government legislation](https://moneyaware.co.uk/tag/government-legislation/)
- [save money on electricity](https://moneyaware.co.uk/tag/save-money-on-electricity/)
- [reduce household bills](https://moneyaware.co.uk/tag/reduce-household-bills/)
- [electricity bill](https://moneyaware.co.uk/tag/electricity-bill/)
- [freebie websites](https://moneyaware.co.uk/tag/freebie-websites/)
- [samples](https://moneyaware.co.uk/tag/samples/)
- [offers](https://moneyaware.co.uk/tag/offers/)
- [how to get free stuff](https://moneyaware.co.uk/tag/how-to-get-free-stuff/)
- [scam websites](https://moneyaware.co.uk/tag/scam-websites/)
- [reduced income](https://moneyaware.co.uk/tag/reduced-income/)
- [money-saving apps](https://moneyaware.co.uk/tag/money-saving-apps/)
- [toshl](https://moneyaware.co.uk/tag/toshl/)
- [mystery shopping](https://moneyaware.co.uk/tag/mystery-shopping/)
- [cash genie](https://moneyaware.co.uk/tag/cash-genie/)
- [jasmine birtles](https://moneyaware.co.uk/tag/jasmine-birtles/)
- [advisors](https://moneyaware.co.uk/tag/advisors/)
- [rewards](https://moneyaware.co.uk/tag/rewards/)
- [July budget](https://moneyaware.co.uk/tag/july-budget/)
- [Wally](https://moneyaware.co.uk/tag/wally/)
- [moneyfy](https://moneyaware.co.uk/tag/moneyfy/)
- [pocket expense](https://moneyaware.co.uk/tag/pocket-expense/)
- [weddings](https://moneyaware.co.uk/tag/weddings/)
- [getting married](https://moneyaware.co.uk/tag/getting-married/)
- [wedding guest](https://moneyaware.co.uk/tag/wedding-guest/)
- [hotels](https://moneyaware.co.uk/tag/hotels/)
- [marriage](https://moneyaware.co.uk/tag/marriage/)
- [hen do](https://moneyaware.co.uk/tag/hen-do/)
- [people of stepchange](https://moneyaware.co.uk/tag/people-of-stepchange/)
- [travel to weddings](https://moneyaware.co.uk/tag/travel-to-weddings/)
- [benefits](https://moneyaware.co.uk/tag/benefits/)
- [Debt Awareness Week](https://moneyaware.co.uk/tag/debt-awareness-week/)
- [Childcare](https://moneyaware.co.uk/tag/childcare/)
- [cheap cuts of meat](https://moneyaware.co.uk/tag/cheap-cuts-of-meat/)
- [thrifty recipes](https://moneyaware.co.uk/tag/thrifty-recipes/)
- [cheap food](https://moneyaware.co.uk/tag/cheap-food/)
- [budget meals](https://moneyaware.co.uk/tag/budget-meals/)
- [cheeky nandos](https://moneyaware.co.uk/tag/cheeky-nandos/)
- [dinner on a budget](https://moneyaware.co.uk/tag/dinner-on-a-budget/)
- [debt advisors](https://moneyaware.co.uk/tag/debt-advisors/)
- [moneysaving fails](https://moneyaware.co.uk/tag/moneysaving-fails/)
- [fresher week](https://moneyaware.co.uk/tag/fresher-week/)
- [cheap living](https://moneyaware.co.uk/tag/cheap-living/)
- [student parent save money](https://moneyaware.co.uk/tag/student-parent-save-money/)
- [save money at university](https://moneyaware.co.uk/tag/save-money-at-university/)
- [renting](https://moneyaware.co.uk/tag/renting/)
- [Affinion compensation](https://moneyaware.co.uk/tag/affinion-compensation/)
- [credit card fraud protection insurance](https://moneyaware.co.uk/tag/credit-card-fraud-protection-insurance/)
- [Insurance compensation](https://moneyaware.co.uk/tag/insurance-compensation/)
- [Sentinel pay-out](https://moneyaware.co.uk/tag/sentinel-pay-out/)
- [distilled vinegar](https://moneyaware.co.uk/tag/distilled-vinegar/)
- [uses for distilled vinegar](https://moneyaware.co.uk/tag/uses-for-distilled-vinegar/)
- [consumer council for water](https://moneyaware.co.uk/tag/consumer-council-for-water/)
- [water meter](https://moneyaware.co.uk/tag/water-meter/)
- [water usage](https://moneyaware.co.uk/tag/water-usage/)
- [soak-away](https://moneyaware.co.uk/tag/soak-away/)
- [trust fund](https://moneyaware.co.uk/tag/trust-fund/)
- [social tariff](https://moneyaware.co.uk/tag/social-tariff/)
- [money challenge](https://moneyaware.co.uk/tag/money-challenge/)
- [fun for five pounds](https://moneyaware.co.uk/tag/fun-for-five-pounds/)
- [movie night](https://moneyaware.co.uk/tag/movie-night/)
- [MoneyAware Challenge](https://moneyaware.co.uk/tag/moneyaware-challenge/)
- [money confidence](https://moneyaware.co.uk/tag/money-confidence/)
- [making money](https://moneyaware.co.uk/tag/making-money/)
- [DIY halloween costumes](https://moneyaware.co.uk/tag/diy-halloween-costumes/)
- [Kids halloween costumes](https://moneyaware.co.uk/tag/kids-halloween-costumes/)
- [DIY costumes](https://moneyaware.co.uk/tag/diy-costumes/)
- [Cheap halloween costumes for kids](https://moneyaware.co.uk/tag/cheap-halloween-costumes-for-kids/)
- [food hacks](https://moneyaware.co.uk/tag/food-hacks/)
- [cheap meals](https://moneyaware.co.uk/tag/cheap-meals/)
- [meals for under a pound](https://moneyaware.co.uk/tag/meals-for-under-a-pound/)
- [working for stepchange debt charity](https://moneyaware.co.uk/tag/working-for-stepchange-debt-charity/)
- [energy-saving myths](https://moneyaware.co.uk/tag/energy-saving-myths/)
- [energy-saving dos and donts](https://moneyaware.co.uk/tag/energy-saving-dos-and-donts/)
- [energy-saving tips](https://moneyaware.co.uk/tag/energy-saving-tips/)
- [leaving heating on all day](https://moneyaware.co.uk/tag/leaving-heating-on-all-day/)
- [appliances at night cheaper](https://moneyaware.co.uk/tag/appliances-at-night-cheaper/)
- [food you can make at home](https://moneyaware.co.uk/tag/food-you-can-make-at-home/)
- [Black Friday tips](https://moneyaware.co.uk/tag/black-friday-tips/)
- [money news](https://moneyaware.co.uk/tag/money-news/)
- [secret santa](https://moneyaware.co.uk/tag/secret-santa/)
- [gifts on a budget](https://moneyaware.co.uk/tag/gifts-on-a-budget/)
- [buying presents](https://moneyaware.co.uk/tag/buying-presents/)
- [pyramid scheme](https://moneyaware.co.uk/tag/pyramid-scheme/)
- [benefit changes in 2016 and 2017](https://moneyaware.co.uk/tag/benefit-changes-in-2016-and-2017/)
- [tax changes u-turn](https://moneyaware.co.uk/tag/tax-changes-u-turn/)
- [2016 changes to benefits](https://moneyaware.co.uk/tag/2016-changes-to-benefits/)
- [moneyaware fifth birthday](https://moneyaware.co.uk/tag/moneyaware-fifth-birthday/)
- [blog review](https://moneyaware.co.uk/tag/blog-review/)
- [use up christmas leftovers](https://moneyaware.co.uk/tag/use-up-christmas-leftovers/)
- [how to use up christmas leftovers](https://moneyaware.co.uk/tag/how-to-use-up-christmas-leftovers/)
- [christmas leftovers recipes](https://moneyaware.co.uk/tag/christmas-leftovers-recipes/)
- [leftovers recipes](https://moneyaware.co.uk/tag/leftovers-recipes/)
- [savings goals](https://moneyaware.co.uk/tag/savings-goals/)
- [christmas on a budget](https://moneyaware.co.uk/tag/christmas-on-a-budget/)
- [christmas magic on a budget](https://moneyaware.co.uk/tag/christmas-magic-on-a-budget/)
- [budget christmas ideas](https://moneyaware.co.uk/tag/budget-christmas-ideas/)
- [make christmas magic for kids on a budget](https://moneyaware.co.uk/tag/make-christmas-magic-for-kids-on-a-budget/)
- [top 20 of the year](https://moneyaware.co.uk/tag/top-20-of-the-year/)
- [dmp payments](https://moneyaware.co.uk/tag/dmp-payments/)
- [scams](https://moneyaware.co.uk/tag/scams/)
- [Christmas loans](https://moneyaware.co.uk/tag/christmas-loans/)
- [Financial Conduct Authority](https://moneyaware.co.uk/tag/financial-conduct-authority/)
- [debt day](https://moneyaware.co.uk/tag/debt-day/)
- [MoneySavingexpert Forum](https://moneyaware.co.uk/tag/moneysavingexpert-forum/)
- [paying off debt](https://moneyaware.co.uk/tag/paying-off-debt/)
- [Debt Free Roll of Honour](https://moneyaware.co.uk/tag/debt-free-roll-of-honour/)
- [debt helpline](https://moneyaware.co.uk/tag/debt-helpline/)
- [talk about debt](https://moneyaware.co.uk/tag/talk-about-debt/)
- [help with money problems](https://moneyaware.co.uk/tag/help-with-money-problems/)
- [financial detox](https://moneyaware.co.uk/tag/financial-detox/)
- [DIY home repairs](https://moneyaware.co.uk/tag/diy-home-repairs/)
- [Home repairs](https://moneyaware.co.uk/tag/home-repairs/)
- [DIY home fixes](https://moneyaware.co.uk/tag/diy-home-fixes/)
- [unclog the sink](https://moneyaware.co.uk/tag/unclog-the-sink/)
- [how to bleed radiators](https://moneyaware.co.uk/tag/how-to-bleed-radiators/)
- [Treating customers fairly](https://moneyaware.co.uk/tag/treating-customers-fairly/)
- [consumer rights](https://moneyaware.co.uk/tag/consumer-rights/)
- [TCF principles](https://moneyaware.co.uk/tag/tcf-principles/)
- [how to be romantic for free](https://moneyaware.co.uk/tag/how-to-be-romantic-for-free/)
- [cheap dates](https://moneyaware.co.uk/tag/cheap-dates/)
- [show you care](https://moneyaware.co.uk/tag/show-you-care/)
- [dating](https://moneyaware.co.uk/tag/dating/)
- [love](https://moneyaware.co.uk/tag/love/)
- [starting a business](https://moneyaware.co.uk/tag/starting-a-business/)
- [income boosting](https://moneyaware.co.uk/tag/income-boosting/)
- [boosting income](https://moneyaware.co.uk/tag/boosting-income/)
- [SIM only](https://moneyaware.co.uk/tag/sim-only/)
- [contracts](https://moneyaware.co.uk/tag/contracts/)
- [pay as you go](https://moneyaware.co.uk/tag/pay-as-you-go/)
- [breathing space](https://moneyaware.co.uk/tag/breathing-space/)
- [marriage tax allowance](https://moneyaware.co.uk/tag/marriage-tax-allowance/)
- [Cut food bills](https://moneyaware.co.uk/tag/cut-food-bills/)
- [meal planning](https://moneyaware.co.uk/tag/meal-planning/)
- [weekly meal plan](https://moneyaware.co.uk/tag/weekly-meal-plan/)
- [April 2016](https://moneyaware.co.uk/tag/april-2016/)
- [financial claims fees capped](https://moneyaware.co.uk/tag/financial-claims-fees-capped/)
- [PDHL](https://moneyaware.co.uk/tag/pdhl/)
- [bankrutpcy application changes](https://moneyaware.co.uk/tag/bankrutpcy-application-changes/)

## Att. Tags

- [A bottle of bread](https://moneyaware.co.uk/attachment_tag/a-bottle-of-bread/) - A bottle of bread
- [Knit some gifts!](https://moneyaware.co.uk/attachment_tag/knit-some-gifts/)