Understanding borrowing

How to choose and manage debt such as home loans, credit cards, overdrafts and personal loans – including tips to pay it off faster. 

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Top tip

To help you save or reduce debt, try paying yourself first. This means setting up regular payments each payday to move money into your savings or loan repayments.

It's a good way to make sure your money goes where it'll benefit you most.

Related tools and services

Steps to financial wellbeing

Our financial wellbeing programme can help. Try one step or two, or work through the programme's six steps in any order.