Debt
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0% balance transfer credit cards explained: how they work and the traps
How a 0% balance transfer card works in the UK, the transfer fee, what happens when the 0% ends, how much of your limit you can move, and the mistakes that cost people their deal.
Buy now pay later UK: the new 2026 rules, and when to avoid it
How buy now pay later works with Klarna, Clearpay and PayPal, what the FCA rules from 15 July 2026 changed, late fees, credit files and how to stop BNPL turning into debt.
Debt consolidation loans UK: are they a good idea?
How debt consolidation works in the UK, when a consolidation loan saves money, when it makes things worse, secured vs unsecured loans, and free alternatives like debt management plans.
Free debt help UK: where to go, Breathing Space, DMPs, DROs and IVAs
Where to get free, confidential debt advice in the UK, and the main debt solutions explained in plain English: Breathing Space, debt management plans, Debt Relief Orders, IVAs and bankruptcy.
How to improve your credit score in the UK: 10 things that work
What a UK credit score is, how to check your credit report free with Experian, Equifax and TransUnion, and the practical steps that improve it, from the electoral roll to how much of your limit you use.
How to pay off debt fast in the UK: snowball vs avalanche
A step-by-step plan to clear credit cards, overdrafts and loans faster. How the debt snowball and avalanche methods work, which saves more, and how to find extra money each month.