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 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 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…
Money plays a big part in our everyday lives so it’s no surprise that it can be one of the biggest sources of tension in relationships. Whether it’s about spending, saving, debt or future plans, financial conflicts in relationships are more common than many people think. If you’re arguing with your partner about money, or…
Many people feel stuck in a cycle of overspending, struggling to save, or finding it hard to make ends meet. But here’s the truth – being bad with money doesn’t mean you’re lazy or careless. More often, it’s about habits, circumstances, and not having the right tools or knowledge in place. Money management problems can…
Money worries are something almost everyone experiences at some point. But when those worries become constant, they can start to affect your wellbeing. Recognising the symptoms of money stress can help you understand how financial pressure is affecting your daily life and give you the chance to take steps towards regaining control. This guide looks…
If you’ve noticed your shopping basket costing more each week, your energy bill creeping higher, or your rent swallowing more of your income, you’re not imagining it. Rising costs in the UK are affecting nearly every household, making it harder for wages to stretch to the end of the month. This article explores why prices…