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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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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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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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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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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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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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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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…

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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. …

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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…

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