Going Debt Free
How to Manage & Reduce Debt...

You've found the UK's most comprehensive resource for expert debt advice and money management guidance. Our impartial specialists provide practical, easy to understand solutions covering everything from budgeting and staying debt free to maximizing your income and understanding your rights. Going Debt Free is here to help.

Try our 2 free tools including the Debt Priority Planner and Can I Write Off My Debt? Checker to get instant personalised help.

Most Read
Debt Collectors and Your Rights
Know what debt collectors can and can't legally do to you, and when their tactics cross the line into harassment.
Pay Back Debts Quickly and Build Up Savings
Pay off high-interest debt before saving money, because interest charges cost more than you'd earn in a savings account.
Stop Debt With a Debt Relief Order: FAQ
A Debt Relief Order might work for you if you owe under £15,000 and earn very little, here's how to qualify and apply.
Stopping a Wages Arrestment
If your wages are being arrested to pay a court debt, you can stop it by acting fast, here's what you need to know.
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Latest Articles and Tools
Debt Priority Planner
Enter your debts and get a prioritised repayment plan with timelines.
Can I Write Off My Debt? Checker
Check whether any of your debts could be written off or reduced.
Reclaiming Payment Protection Insurance: Safety and Scams
You could be owed thousands in PPI compensation, but watch out for scammers trying to grab your claim.
Using the Internet to Increase Household Income
The internet can help you earn extra money through online jobs, home businesses, or cutting shopping costs to boost your household income.
Why Being Single Means More Debt
Single people pay more for housing, utilities and everyday expenses because they can't split costs with a partner.
How to Kick Your Overspending Habit
Stop overspending by identifying what triggers your shopping urges and breaking the habit before debt piles up.
Pay Back Debts Quickly and Build Up Savings
Pay off high-interest debt before saving money, because interest charges cost more than you'd earn in a savings account.
The Importance of Creating an Emergency Savings Fund
An emergency savings fund protects you from debt and interest charges when unexpected job loss or crisis strikes.
Financial Sacrifices to Reduce Debts in One Year
Cut back on entertainment, subscriptions and extras for a year to pay down debt faster and save on interest charges.
Coping With Debts During Unemployment
Contact your creditors about unemployment and check if payment protection insurance can cover your debt repayments.
Common Lies Told by Disreputable Debt Collectors
Disreputable debt collectors use common lies and threats to pressure you into paying, here's what they can and can't actually do.
Become a Money Management Expert
Basic money management tools like budgets and spending diaries help you cut wasted spending and get out of debt faster.
Popular
1 Avoid Debt Clearing Scams 2 How To Deal With Debts From Your Education 3 FAQ: Can I Eliminate all Debts With Bankruptcy 4 New Dirty Tricks Used by the Debt Collectors 5 Reclaiming Payment Protection Insurance: Safety and Scams 6 Why Being Single Means More Debt
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How to Manage & Reduce Debt...