Debt

What debt actually costs, and the orders of repayment that cost least.

Everything here is written for the United Kingdom. Terminology, protection limits and regulators differ between markets, so a guide from another country will not transfer cleanly.

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Getting Out of Credit Card Debt in the UK
A worked sequence for clearing UK card balances, including balance transfers, persistent debt rules and where to get free advice.
Updated 25 August 2026 · 4 min read
Answer
Debt Snowball vs Avalanche: Which Works Better?
One method costs less in interest. The other is easier to keep going. Run both on your own figures and the choice usually makes itself.
Updated 25 August 2026 · 2 min read