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You may be surprised at how much you can achieve without the help of a debt management company. Many people negotiate reduced payments with their creditors even getting them to freeze interest and charges on their accounts. If you have decided to go it alone, the following article will provide you with valuable advice on how to do this successfully.
Debt tools
The following tools are designed to help you get a better idea of your finances so you can get back in control. They are all completely free and you can use them as many times as you like.
Budget Calculator
Use this simple calculator to work out how much money you have left over after all your expenses have been paid. You can use this amount to pay your unsecured debts.
Credit Card Repayment Calculator
Use this credit card repayment calculator to work out exactly what you need to repay in order to clear your debt.
Debt Predictor
What if inflation goes up? What if house prices crash? Using this unique debt predictor tool you can get an insight into how you might be affected by changes to the economy.
Financial Healthcheck
Do you want to take control of your finances - but not sure where to start? Do you need a bit of help sorting out your financial priorities? This financial healthcheck tool will give you some tips for a healthier financial lifestyle - now and in the future.
Remember, Debt Advice 4 Free is a completely free, impartial service. Although the information on this website is provided by industry experts, it should never replace the advice of a debt adviser who understands your individual circumstances. You can visit the directory section of this website to find a list of companies offering these services.
What is debt consolidation?
Debt consolidation simply means replacing multiple loans with one new loan. If you have debts with different creditors, you can combine them into one loan using a debt consolidation loan.