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  • Debt Help & Advice
    • Debt solutions
      • Debt Management Plan (DMP)
      • Individual Voluntary Arrangement (IVA)
      • Debt Relief Order (DRO)
      • Debt Consolidation Loans
      • Bankruptcy
      • Remortgage
      • Administration Order
    • Debt Help Services – Help With Debt
      • Breathing Space
      • Settlement
      • Bailiff Advice & Help
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      • Sequestration
      • Minimal Asset Process (MAP)
      • Debt Arrangement Scheme
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      • Government & HMRC Debts
      • Business Debt
      • Energy Bill Debt
      • Gambling Debt
  • IVAs
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    • IVA Eligibility
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    • IVA Reviews
    • IVA Calculator
    • IVA Costs & Fees – How much do IVAs cost?
  • Debt Management Plans
    • What Is A Debt Management Plan (DMP)?
    • Debt Management Plan Pros & Cons
    • Debt Management Plan (DMP) Calculator
    • Debt Management Plan Process
    • Debt Management Plan Eligibility
    • Debt Management Plan (DMP) Fees
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Money Tips and Advice

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Image of a pumpkin lit up and a lantern on a dark background with autumn leaves

Halloween on a Budget: Fun Without Overspending

Budgeting, Money Tips and AdviceBy Juliet FrancisOctober 3, 2024

Halloween is an exciting time filled with with opportunities to get creative, dress up, and enjoy some spooky fun. But like many celebrations, it can quickly become expensive if you’re not careful. Costumes, decorations, parties and treats can all add up, making it easy to overspend. However, with a little planning and creativity, you can…

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Who Gets Winter Fuel Allowance? Everything You Need To Know

Money Tips and AdviceBy Juliet FrancisSeptember 30, 2024

First introduced by New Labour in 1997, the Winter Fuel Allowance (also known as the Winter Fuel Payment) is a yearly payment made to individuals who have reached state pension age to help meet the costs of energy bills over the winter months. This payment has been a constant for the past 27 years, spanning…

Image of a couple clinking their wine glasses together filled with red wine over a candlelit dinner

Dating on a Budget: 13 Cheap – yet Romantic – Date Ideas

Money Tips and AdviceBy Juliet FrancisAugust 28, 2024

You might have been together a year, a week, or just a day. Maybe you’ve only just got around to asking out that certain special someone. Interest is high, but the budget is low. Don’t worry. There’s no need to cancel Cupid. Romance doesn’t have to mean restaurants, roses and robbing a bank to pay…

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How to Save Money Clothes Shopping

Lifestyle, Money Tips and AdviceBy Juliet FrancisAugust 28, 2024

Question: Is there a better buzz than clothes shopping? Answer: Yes, when you’re saving money while clothes shopping. No matter what your financial situation, fashion is more than just a necessity – it can be a way to express yourself. The trouble is, if you’re not careful, keeping up with the latest trends can become…

Image of a man and a woman smiling sitting outside of a restaurant paying for their coffee

Breaking Bad… Habits That Cost: How To Break Bad Spending Habits

Money Tips and AdviceBy Juliet FrancisAugust 28, 2024

We’ve all got bad habits. Most of them are nothing more than annoying. (Humming, whistling, drumming fingers, cracking knuckles, etc). Some, however, could be costing you money. You could be throwing your hard-earned cash away without even realising it. That’s got to be worse than tapping your feet or clicking your pen top. So, to…

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Reduce the Cost of Commuting: Practical Tips for Managing Expenses

Money Tips and Advice, Tips and AdviceBy Juliet FrancisAugust 28, 2024

If it’s not bad enough having to be there (sorry boss), getting to and from work can be a real pain. It’s not just the delays, the cancellations, the traffic jams, the road works, or the long hike, it’s the expense too. For many working people, commuting is unavoidable but there are things you can…

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Improving Financial Literacy: 5 Essential Tips

Money Tips and AdviceBy Juliet FrancisJune 17, 2024

Whether you’re looking to save for the future, get out of debt, or simply make better financial decisions, improving your financial literacy is the key to achieving your goals. This guide will help you understand why financial literacy matters and provide practical tips to enhance your financial knowledge and skills. Why does financial literacy matter?…

An image of a man holding up a mini black board with the writing 'Financial Literacy'

What Are the 5 Principles of Financial Literacy?

Money Tips and AdviceBy Juliet FrancisJune 14, 2024

Financial literacy is crucial for making informed financial decisions that can significantly improve your financial well-being. By understanding the core principles of financial literacy, you can take control of your financial future, avoid common pitfalls, and work towards achieving your financial goals. In this article, we’ll explore the five main principles that form the foundation…

How Does Your Credit Score Work?

Money Tips and Advice, Tips and AdviceBy Juliet FrancisNovember 13, 2023

Credit scores are a key part of financial systems in the UK. MoneyPlus explains how they work and what types of actions can impact your score. Credit reports play a vital role in private financial agreements in the UK. Without a credit score, the average person in the UK wouldn’t be able to apply for…

IVA Living Costs: What’s Left?

Debt Help, Money Tips and AdviceBy Juliet FrancisOctober 25, 2023

How much does an IVA leave you to live on? If you’re struggling to manage your debts, you might be thinking about applying for an Individual Voluntary Arrangement (IVA). This is an agreement you come to with your creditors to repay part or all of the money you owe over a certain period of time…

How to Save Money: 5 Cash Saving Tips

Budgeting, Money Tips and Advice, Tips and AdviceBy Juliet FrancisOctober 25, 2023

If you’re feeling the financial pinch, rest assured you’re not alone. Thanks to recent energy price hikes, increasing interest rates, rising food prices and more, many consumers are under strain. However, with a little know-how, there are steps you can take to help you put money aside on a regular basis.

MoneyHelper

To find out more about managing your debt and receiving free debt advice visit https://www.moneyhelper.org.uk/en/money-troubles/dealing-with-debt/use-our-debt-advice-locator.

Further Information

The insolvency service has produced a guide for people who are struggling with debt.

For residents of Scotland, the Scottish government have created the Debtors Advice Guide. For residents of Northern Ireland, you can read the government's Advice on managing debt.

© 2025 MoneyPlus Group. MoneyPlus Advice is a trading style of MoneyPlus Group Limited (07310059), which is authorised and regulated by the Financial Conduct Authority. Your payments into a Debt Management Plan are protected and compensation could be available from the Financial Services Compensation Scheme if there are any shortfalls in funds held on a customer's behalf. MoneyPlus Advice refers customers to MoneyPlus Insolvency Limited for Individual Voluntary Arrangements. MoneyPlus Insolvency Limited is registered in England and Wales (08214793). Registered office: Riverside, New Bailey Street, Manchester, M3 5FS. Anel Andrew is authorised as a Licenced Insolvency Practitioner in the United Kingdom by the Insolvency Practitioners Association, Licence number 17170 and is bound the Insolvency Code of Ethics.

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2025-05-07 12:46:08