Going Debt Free: Getting Out of Debt and Managing Your Money | Free Tools

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.

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Recovering your Bank Charges

In recent years the media has been offering numerous reports on the massive profits that the banks are making from charges and penalties to their customers....

Where to Seek Help When in Financial Difficulty

Finding yourself in any type of financial difficulty is never easy, and if lenders are continually harassing you for payment it can cause great stress. Knowi...

Are Debt Consolidation Loans Right For You?

If you find that your debts are spiralling out of control and you are paying interest on numerous credit cards and loans then a debt consolidation loan may b...

The Facts About Personal Debt in the Uk

Personal debt in the UK has reached a crisis level and reports of bankruptcies and home repossessions are now extremely common. The facts about personal debt...

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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

Around three million borrowers in the UK could be eligible to reclaim mis-sold payment protection insurance (PPI). Unfortunately, where money is involved, th...

Using the Internet to Increase Household Income

The internet can be a very good source of income if you know the right routes to take. Whether it’s obtaining lower energy bills, creating a home business...

Why Being Single Means More Debt

The old saying, “stay single, be happy” doesn’t seem to apply when it comes to money and debts. Living with a partner is more cost effective especially...

How to Kick Your Overspending Habit

Overspending can be a bad habit that can easily lead to huge debts. There are a number of reasons why people overspend and there are also a number of ways to...

Pay Back Debts Quickly and Build Up Savings

Anyone who is considering creating a savings fund should know one of the most important principles. The wisest route to take is to clear debts before buildin...

The Importance of Creating an Emergency Savings Fund

People who use credit cards in an emergency are wasting large amounts of money in interest payments. Creating an emergency savings fund is the wiser option t...

Financial Sacrifices to Reduce Debts in One Year

Most people in the UK have long-term debts and most would dearly love to get rid of them for good. Wiping out debts completely is a long process but there ar...

Coping With Debts During Unemployment

Long-term unemployment can bring stress and financial hardship, and mounting debts are one of the major worries. But there should be some debt options availa...

Common Lies Told by Disreputable Debt Collectors

Although debt collectors must abide by guidelines laid out by the Office of Fair Trading and the Consumer Credit Act there are still plenty who bend and brea...

Become a Money Management Expert

Becoming a money management expert will be helpful if considering a debt free life. Money management skills are simple to learn and can help to organise fina...

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How to Manage & Reduce Debt...