Personal Finance
Borrowing & Debt
UK borrowing and debt guides: getting out of debt, how credit scores and cards work, and how to borrow without getting caught out.
Borrowing & Debt
Getting Out of Debt: The Order That Actually Works
Most people attack debt in the wrong order, on the wrong accounts, without ever checking which bills legally matter more. Here's the order that actually works.
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Borrowing & Debt
Credit Ratings Explained: Why Your Score Isn't a Real Number
There is no single UK credit score. Three bureaus calculate three different numbers on three different scales, and lenders don't even use those numbers directly.
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Borrowing & Debt
Credit Cards Aren't the Enemy: How to Actually Use One Well
A credit card paid off in full every month costs you nothing and protects every purchase over £100. Carry a balance and the same card becomes one of the most expensive debts you can hold.
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Borrowing & Debt
UK Student Loans Explained: Why It Behaves Like a Tax, Not a Debt
Nobody chases you for a student loan, nobody can repossess anything over it, and most graduates will never pay it off in full. It doesn't behave like debt at all.
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Borrowing & Debt
Free Debt Help Exists. Here's Why So Few People Use It First
StepChange, National Debtline and Citizens Advice do the same job as paid debt management firms, for free, yet most people find the paid ones first. Here's how to tell them apart.
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