MoneyPlus Advice Articles

How to increase disposable income When money is tight, increasing your disposable income might seem impossible but even small changes can make a real difference. Whether it’s cutting back on fixed costs, reducing everyday spending, or finding ways to earn a little more, improving your disposable income means you’ve got more flexibility to manage your…

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What is a debt collection agency? If you’ve missed repayments or fallen behind on bills, there’s a chance you might hear from a debt collection agency. But what exactly is a debt collection agency, and what do they do? This guide will help you understand what to expect, your rights, and how to deal with…

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What happens if my Universal Credit is not enough to live on?  If you’re relying on Universal Credit (UC) but it’s not covering your bills, you’re not alone. Many people across the UK are finding that the amount they receive simply doesn’t stretch far enough. With rising living costs and unexpected expenses around every corner,…

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What are assets? In everyday conversations, people often mention ‘assets’ when talking about what they own, but in finance the term carries a more precise meaning. This article breaks down the asset definition, explains the different types of assets, and explores why they’re important – whether you’re managing personal money, running a business, or speaking…

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Budgeting tips for low disposable income Trying to make a small income stretch across all your monthly expenses can feel like solving a puzzle that never quite adds up. If you’re often left with pennies after paying your bills, you’re not alone. Many people across the UK are looking for ways to get by on…

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What to do if you max out your credit cards When your credit card reaches its limit, it can feel like a dead end. Whether it crept up over time or happened suddenly during a tough month, finding yourself with a maxed credit card can be overwhelming, especially if you’ve started to rely on credit…

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Loan declined: what are my options? If you’ve just had a loan rejected in the UK, you’re not alone. It can feel frustrating, especially if you’re relying on that money to cover essential costs or to consolidate debt. But before you apply again, it’s worth understanding why it might have happened and what your next…

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When budgeting isn’t enough: what to do if your budget’s not working Budgeting is often the first step people take when money feels tight. You look at what’s coming in, what’s going out, and try to make the numbers balance. But what if you’ve already done that – maybe even more than once – and…

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What to do when your overdraft isn’t enough If you find yourself dipping into your overdraft before payday each month, you’re not alone. But if you’re starting to feel like your overdraft isn’t enough to cover your costs anymore, it might be time to stop and take a closer look. Many people begin using an…

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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…

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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…

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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…

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