Tag Archives: debt free

Glen’s story: From £15k in debt to debt free

posted by in Budgeting 2 Comments

Glen Hodgson“When I went away to University at 18 I was hit with countless offers of credit, a number of which I took – including a student overdraft, a few credit cards, hire purchase agreements, and loans. It was too easy.

With no assets to lose, my view at the time was – “I don’t have the spare money to pay it all back without compromising on my own lifestyle” and so I put it to the back of my mind. However, I was about get a rude awakening…

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5 great reasons to get out of debt

posted by in Living with debt 3 Comments

IVA tips

There’s no time like the present to deal with your debts

Over the years we’ve found that people want to get out of debt for a whole host of reasons.

From buying a house to being able to save up for a rainy day, there’s no one-size-fits-all motivation when it comes to debt advice.

Nobody likes problem debt, but sometimes we need a bit more encouragement to get going and make debt freedom a reality. If you’re done with being in debt but need some inspiration, would these help your resolve?

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How can I get out of debt?

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**To deal with your debts now use  Debt Remedy – our free online tool will give you a personal action plan explaining exactly what to do**

cloud question mark

How do I get out of debt?

If you’re reading this it’s likely there’s a question keeping you awake at night: How can I get out of debt?

And in this digital age you’ve turned to the web to find out, as so many other people do nowadays.

We’ve got over 20 years’ experience helping people get debt free, so here’s our 5-step plan to a debt free future.

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Getting away with debt

posted by in Living with debt 2 Comments

Can you get away from your debt?

Can you run away from your debt?

Unsurprisingly some of our most popular blogposts dispel the myths about easy ways to ‘get away’ from paying back your debts.

These articles get lots of visits, although we’re sure that a lot of people come away disappointed when they find out the truth about getting debt free quick.

It’s cheeky but it’s also human nature to look for easy, stress-free ways out of tight spots. When you’re desperate to escape a debt problem, clinging to anything, no matter how ill-judged a move it could be, brings hope. Advertisements saying things like “Your debts written off!” often don’t help the situation. Continue reading »


7 ways to use the web and pay off your DMP quicker

posted by in Living with debt 7 Comments

The pennies soon turn into pounds

The pennies soon turn into pounds

Whether you’ve been on your debt management plan for some time or you’ve just recently started, it can be a big relief to know that your debts are being chipped away at each month. What a contrast to how things were before you first got in touch with us.

You may be starting to wonder however if there’s any way you could get your debt management plan paid off sooner. Let’s take a look at how the web can help you get your DMP paid off quicker!

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Celebrating the lightbulb moment

posted by in Living with debt 1 Comment

When was your lightbulb moment?

When was your 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”. On Monday we celebrate this first and hardest step towards becoming debt free.

For many people who call us this moment is the first time they’ve opened up about their financial problems. The StepChange Helpline advisor is a voice of reason, trying to discover what the problem is and how to resolve it. Continue reading »


“Can I switch my DMP?”

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Switch on and don't pay for your DMP

Switch on and don’t pay for your DMP

As we’ve mentioned many times, we offer debt management plans completely free of charge. We do hear from a lot of people that use other companies for their DMP, who realise that their full surplus could be going towards reducing their debts rather than paying a percentage as a fee.

As debt management plans aren’t legally binding in any way you are free to cancel at any time. So if you choose to switch provider you should be able to do this easily. Continue reading »