You looking at me?


6. Set up a direct debit to protect your credit score. Forget or make late repayments and you risk losing 0% deals, being fined and suffering a hit on your credit score. So set up a direct debit to cover at least the monthly minimum, then manually pay more on top each month.


7. Got both debts and savings? Stop. £1,000 credit card debt at 18% costs £180 a year, while the same amount saved in top paying savings earns just £15 before tax. If you’re thinking “yes, but I like some spare cash”, this is often false security. More at www. mse.me/ClearDebtsWithSavings


8. Free debt crisis help. While my tips above should help cut the cost of debt, for some people that isn’t enough. If you’re struggling to meet your minimum repayments and basic bills, have non- mortgage debts bigger than a year’s salary, or can’t sleep for worry, you’re likely to be in debt crisis.


If so, ignore the options above and contact a non-profit debt advice service that uses a different set of solutions, such as: StepChange (stepchange.org), Citizens Advice (citizensadvice.org.uk) or National Debtline (nationaldebtline.co.uk). Don’t worry, they’re there to help, not judge.


@MoneySavingExpert


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