The first step towards a debt-free future is to admit that you have a problem. Don’t bury your head in the sand.

Start by looking through your recent bank statements and making two columns: one for incomes, and one for outgoings, this will help you see

Assess which outgoings are completely necessary. Your debts should of course come first, followed by any bills, direct debits...

Now that you’re starting to make your way out of debt, it’s time to make sure you stay out. Start by cutting down on what you don’t really n

Use comparison sites to make sure that you're on the right mobile tariff, and aren't paying too much on your energy bills.

After you’ve cut all you can, it’s time to start boosting your income. There are plenty of ways to boost your income

Although quick fixes like payday loans may seem like easy money, they often come with phenomenally high rates of interest and numerous other