My partner doesn’t know I’m in debt. What should I do? Being in debt without your partner knowing can feel frightening. You might be worried they’ll be angry, disappointed, or that it could change how they see you. Debt can feel even harder when you’re carrying it alone. You may be hiding letters, avoiding conversations,…
Skipping meals to pay bills: what to do if you can’t afford food and bills Skipping meals so you can pay bills is a sign that your budget is under serious pressure. It doesn’t mean you’ve failed. It means the cost of essentials may now be more than your income can cover. Recent research from…
How to talk to kids about money Talking to children about money can feel uncomfortable, especially if money feels tight in your own household. You might worry they’re too young or feel unsure what to say. You don’t need to be an expert to talk to kids about money in a helpful way. The most…
Why do I compare myself to others financially? It’s hard not to compare your finances to other people’s. It can sometimes feel like everyone else is doing better with money — saving more, spending more comfortably, or moving ahead faster. You might see a friend buying a house, a colleague going on holiday, or someone…
Managing family finances can feel difficult when money’s tight. This guide explains how to build a simple budget, prioritise essential costs and understand when extra support may help.
Debt consolidation vs debt management plan: what’s the difference? Content Debt consolidation and Debt Management Plans (DMPs) are two ways to manage multiple debts. With debt consolidation, you take out new credit, such as a loan or credit card, to pay off existing debts. Debt consolidation is more commonly used by people who can still…
What happens when debts aren’t paid in the UK: a step-by-step guide Debt doesn’t usually spiral overnight. It often starts with a missed payment, a letter left unopened, or a period where money is simply stretched too thin. Many people who fall behind on payments didn’t expect to be in debt in the first place. If you’re unsure how your situation…
What’s the difference between gross and disposable income? When you’re trying to get a handle on your finances, it’s easy to get confused by the terms flying around, especially when it comes to your income. But what do the terms ‘gross income’, ‘net income’ and ‘disposable income’ actually mean, and more importantly, which one tells…
When the cost of everyday essentials keeps rising, it’s easy to feel like your money simply doesn’t stretch far enough anymore. If you’re struggling to cover food, bills or rent, you’re not alone. Many households across the UK are facing exactly the same challenge. This guide will explain why the cost of living has become…
What is disposable income? Wondering what the meaning of disposable income is? You might have heard this term but not been completely sure what it actually refers to or why it matters. Put simply, disposable income is the money left over once you’ve paid your taxes, priority debts, and essential expenses like rent, mortgage, bills,…
What should I do if I get a vet bill I can’t afford Few things are more worrying than facing an emergency vet bill in the UK when your pet suddenly becomes unwell or injured. Pets are part of the family, and naturally, you want to do everything possible to keep them healthy. But veterinary…
What should I do if I can’t afford to fix my boiler? A broken boiler can quickly become more than just an inconvenience. For many households, if your boiler is broken, it’s an emergency. Without heating or hot water, daily life feels harder, especially in colder months. When it happens unexpectedly, the cost of repair…