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Article
What is an Individual Voluntary Arrangement (IVA)?
Find out more about how an Individual Voluntary Arrangement (IVA) works and which debts it covers. Then talk to a free debt adviser about whether it’s the best...
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Article
Help if you’re struggling to clear your credit card debt
If you’ve only been paying the minimum repayments on your credit card for the last 18 months, you could be in ‘persistent debt’. Your credit card provider must...
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Article
Making sure you can afford to borrow
Most of us need to borrow money at some point in our lives. Using the right type of credit in the best way can help you deal with unexpected expenses, such as...
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Article
Tax and National Insurance when you’re self-employed
When you’re self-employed, you’re responsible for paying tax and National Insurance on your income. Here’s how it works.
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Article
How to budget for an irregular income
If you’re self-employed, working on a zero-hours contract or claiming Universal Credit, your income might vary each month. Find out more about how to budget ...
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Blog post
Reasons your tax code has changed and what to do
Find out what to do if you’ve had a message from HMRC or your employer about your tax code, or you’ve noticed your take‑home pay has suddenly changed. This blog...
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Blog post
How long does a default stay on your credit file?
Have you borrowed credit recently and missed payments on your account, which may have resulted in a default? Do you need more information? Read our blog to find...
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Article
How tax on savings and investments works
Depending on how much you earn, you might have to pay tax on savings interest or investment income. This guide takes you through it, plus tax-free ways to save...
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Blog post
Managing tax with multiple income streams
Side hustles, freelance projects, or juggling a few different types of work, it’s more common than ever to earn money from...