Should I pay rent or energy bill? When money’s tight and there’s not enough to cover everything, knowing what to pay first can feel impossible. But if you’re facing the reality that you can’t pay all bills, it’s important to pause, breathe, and take a structured look at your situation. In this guide, we’ll help…
Can’t keep up with bills but not in debt yet? Here’s what you can do For many households, it starts gradually. A few bills creeping up each month. Groceries costing more than expected. Energy direct debits taking a bigger bite out of your account. You might be struggling to stay afloat financially, even though you’re…
What to do if you’ve missed council tax payments Falling behind on council tax is more common than you might think. Whether it’s a one-off slip or part of a wider money struggle, a missed council tax payment can quickly become more serious if left unchecked. But there are steps you can take, and help…
What to do if you’ve borrowed money from family and can’t pay it back Borrowing money from a family member can feel like a lifeline when things are tight. But if you’ve found yourself in a position where you can’t repay a family loan, it can quickly become a source of tension, guilt and shame. …
What to do if I’m scared to look at my bank account If you’ve ever avoided checking your balance or felt your stomach drop just opening your banking app, you’re not alone. Feeling scared to look at your bank account is more common than you might think, and it doesn’t necessarily mean you’re bad with…
Am I spending too much? Ever looked at your bank balance and wondered ‘where did all my money go?’. If so, you’re not alone. Many of us have spending habits we don’t think twice about until things start to feel a bit tight. This isn’t about finger-pointing or guilt. It’s about understanding your relationship with…
What happens if I miss a rent payment? Falling behind on rent can feel daunting, especially when prices keep climbing and wages often don’t. If you’ve had a missed rent payment in the UK, you might be wondering what happens next, what your rights are, and how to avoid things getting worse. This guide offers…
How much disposable income should I have? Trying to figure out what’s a normal disposable income? You’re not alone. Whether you’re reviewing your budget or starting from scratch, knowing if your income is working for you – or against you – is a vital part of getting on top of your finances. In this guide,…
No disposable income left after bills You’ve done the maths. The bills are paid, the fridge is stocked and once again, your account is almost empty. No room for error, no chance to save, and no spare change for anything outside of the essentials. If this is your financial reality, you’re far from alone. This…
What can I do if my advance UC repayment is too high? If you’ve taken an Universal Credit (UC) advance and find the repayments are biting hard each month, you’re not alone. Many people face UC advance repayment problems when deductions reduce too much of their benefit and leave them struggling with day-to-day costs. This…
How to deal with a debt collection agency Being contacted by a debt collection agency can feel unsettling. But knowing your rights, understanding the process, and responding in the right way can help you stay in control. Step by step, this guide explains everything you need to know about dealing with a debt collector, from…
It might feel like you’ve missed your chance to sort things out. Maybe you’ve ignored your debts for too long or waited too long to get help. But here’s the truth: it’s never too late to take action. No matter how serious things seem, support is available. Whether you’ve received a court letter, have bailiffs…