Debt
Gambling, trading and the money that disappears
The products have converged, the losses are concentrated among a small proportion of users, and blocking tools now exist.
Debt
Order of repayment, refinancing, and negotiating with a creditor.
Debt
Debt and mental load: getting it out of your head
Not knowing the total is worse than knowing it, and the first useful action is producing a complete list.
Debt
Overdrafts, and why they are more expensive than they look
Regulatory reform made the cost visible, and what it revealed was rates comparable to credit cards.
Debt
When debt is not yours
Debts pursued in error, debts of deceased relatives and debts arising from fraud all have specific answers.
Debt
Guarantor loans and lending to family
Guaranteeing a loan makes you liable for the whole debt, and family lending destroys more relationships than it saves.
Debt
Buy now pay later and how it works
It is credit, it increases spending measurably, and the regulatory position has been changing rapidly.
Debt
Debt after a relationship ends
Joint debts remain joint regardless of any agreement between the parties, which is the fact that causes the most damage.
Debt
Car finance and what it actually costs
The monthly payment is the wrong number to compare, and the structure of the agreement matters more than the rate.
Debt
Formal debt solutions and what they mean
When repayment is not viable, defined solutions exist with different consequences, and free advice is the way to choose.
Debt
Student loans and whether to overpay
They behave differently from other debt in several systems, and the intuitive response is frequently the wrong one.
Debt
High-cost credit and how it works
Payday loans, doorstep lending and rent-to-own are designed around people with no alternatives, and there are usually alternatives.
Debt
Talking to a creditor when you cannot pay
Creditors have processes for people in difficulty, and the worst outcome comes from saying nothing.
Debt
Which debt to pay off first
The mathematically optimal order and the psychologically effective order are different, and the evidence favours one of them more than expected.