Avoiding Debt

Practical strategies to prevent debt problems before they start. Articles cover financial planning, recognising warning signs, and protecting yourself during major life changes.

A Debt and Stress Free Life

Being debt free won't cure stress entirely, but it can reduce anxiety and improve your quality of life significantly.

FAQ: How to Avoid Repossession

If you're behind on mortgage payments, talk to your lender about payment plans or suspensions before repossession starts.

How Can I Prepare for Retirement to Avoid Debt?

Test your retirement budget beforehand and consider downsizing your home to avoid debt in your later years.

How Important Is Health Insurance to Avoid Debt?

Without health insurance, unexpected medical costs can quickly spiral into serious debt that drains your savings.

How to Avoid County Court Judgements

Stop a CCJ from damaging your credit by understanding the court process and taking action before creditors file against you.

How to Avoid Getting Into Debt

Create a budget to track your spending and income so you can avoid debt and actually have more money for things you enjoy.

If My House Is at Risk of Repossession What Can I do?

If you're struggling with mortgage payments, here are practical steps you can take to prevent your house from being repossessed.

I'm Getting Divorced and at Risk of Debt, What Can I do?

Protect yourself from debt during divorce by getting advice from Citizens Advice, talking to your ex-partner, and sorting out joint accounts.

Sell and Rent Back: Facts and Myths

Sell and rent back schemes promise relief but often come with hidden costs and unfair terms that can leave homeowners worse off.

Using a Financial Planner to Avoid Debt

A financial planner shows you exactly where your money goes each month and helps you cut unnecessary spending to stay out of debt.

What Happens if I Get Ill and Can't Pay My Mortgage?

Missing mortgage payments when you're ill is stressful, but talking to your lender and creditors early can help you avoid serious problems.

What Is a Credit File?

Your credit file is a record of your financial history that lenders check before deciding whether to give you credit.

What the Government Says About Debt and the IVA

The UK government acknowledges the debt crisis caused by 2007 interest rate rises and the credit crunch, but the situation keeps worsening.

Who Can I Turn to When I Fall Into Debt?

Debt feels overwhelming, but counsellors and support services can help you find a way out without judgment or shame.