60 second debt test Please enable JavaScript in your browser to complete this form. – Step 1 of 51. Do you regularly need to use credit cards, payday loans or your overdraft? Do you use credit, loans or an overdraft until your wages or benefits come in? *YesNo If you enter a solution with MoneyPlus we will charge you fees. If you do not enter a solution managed by us, there will be no fee for the advice that we provide. All fees and risks will be explained in full before you enter into a solution. To discover more about how to manage your debt and to receive free debt advice, you can visit www.moneyhelper.org.ukNext2. Have you missed payments on your debts? Have you been making minimum repayments on debts or even missing repayments on them? *YesNoPreviousNext3. Have you had to pay overdraft fees or charges for late payments recently? Have you received any charges for late payments, or fees for your overdraft recently? *YesNoPreviousNext4. Do you currently using credit cards to cover your repayments? Are you currently using credit cards to cover your repayments? *YesNo you for you PreviousNext5. Have you been using credit to pay your household bills? Or have you fallen behind on paying them? Have you been using credit to pay your household bills? Or have you fallen behind on paying them? *YesNoGet results Category: Tips and AdviceBy Steve ShawJuly 4, 2025 Author: Steve Shaw Steve has worked for MoneyPlus Advice for 14 years and has a huge amount of experience in the debt advice industry. Post navigationPreviousPrevious post:Protecting your finances from some of life’s biggest challengesNextNext post:Debt Consolidation CalculatorRelated PostsDebt Consolidation CalculatorJuly 4, 2025Protecting your finances from some of life’s biggest challengesJune 19, 2025
