Get out of debt

Lessons

1. 1 How to pay off debt in the UK: avalanche or snowball? How to pay off several debts in the UK: the avalanche and snowball methods, which saves more, and how to pay less interest, with a worked example. 3 min read Mark as done : How to pay off debt in the UK: avalanche or snowball?
2. 2 Buy now, pay later in the UK: costs, credit and the rules How buy now, pay later works in the UK, what a missed payment costs, how it affects your credit file, and the FCA rules that protect you from 15 July 2026. 3 min read Mark as done : Buy now, pay later in the UK: costs, credit and the rules
3. 3 UK credit scores: what affects yours and how to raise it How credit scores work in the UK, the three credit reference agencies, what lenders look at, how to check your score free and the quickest ways to improve it. 3 min read Mark as done : UK credit scores: what affects yours and how to raise it
4. 4 Help with debt in the UK: free advice and formal options Free, confidential debt help in the UK, which debts to pay first, talking to lenders, and the formal options from Breathing Space to a Debt Relief Order. 4 min read Mark as done : Help with debt in the UK: free advice and formal options