About The Real Debt Guy

We want to change the way debt information is provided to people.

No nonsense, no jargon.

At The Real Debt Guy, we believe in sharing impartial, fact-based information about debt, to make a genuine difference to the lives of people who are struggling financially. We want to change the way debt information is provided to people, making it accessible and freely available to all. No nonsense, no jargon. Just clear and simple information that anyone can understand to help them tackle their financial difficulties head-on.

Why do we do this?

Well, at The Real Debt Guy we genuinely understand the impact debt can have on a person's life particularly their mental well-being. It’s because of this, mindfulness plays a big role both in the information we share, and the way we communicate. No one should have to suffer with anxiety because of their debt. With access to the right information, communicated in the right way, we want people to feel empowered to tackle their finances.

We also believe in being transparent. All of the information we share is without any creditor bias, or hidden agenda. We only ever partner with organisations that we truly believe can be of help to the people that visit this website. We do not, and will not partner with any organisation that encourages people to get into debt. This simply goes against everything we believe in.

But how do we make money?

We’ll always want to be open about the way The Real Debt Guy website makes money, and this is through:


Ethical partner presence


Ethical Affiliates


The Real Debt Guy Community

Our intentions are 100% genuine.

We want to support people who are in or at risk of debt. By drawing upon knowledge and experience of how money and debt works, we have produced a website full of up-to-date information, and useful tools to do just that.

Ultimately, we have one goal, and that is to educate people about debt, by simplifying complicated matters, so that anyone can understand.

More than anything we hope you find the information on this website useful, and that it helps you to take positive steps in the right direction.

To find out more about the different ways we can help you, head over to the 'How we can help you' section.

How we can help

Simplifying complicated matters.


In the interest of transparency and the flow of information, The Real Debt Guy provides an information and research service only and should be treated as such. Even though The Real Debt Guy is qualified Independent Financial Advisor (IFA), he does not use this website to give advice and is not required to register with a financial organisation or a financial supervisory body.

All information provided by The Real Debt Guy and used by you either verbally, on video conference or phone, or any information sent by email or any other method of written communication or through our website, social media, newsletters, podcasts, email or published videos on YouTube or other platforms does not constitute any form of advice, recommendation, representation, endorsement or arrangement by The Real Debt Guy and is not intended to be relied upon by you in making or refraining from making any specific investment, debt-related or other financial decisions.

All information is provided only as an academic or journalistic opinion and The Real Debt Guy accepts no responsibility for reliance on such information. You are solely responsible and liable for any decisions or outcomes based on the information you have used provided by The Real Debt Guy.

Any investments, trades, speculations, or financial decisions made based on any information used, adapted, interpreted from The Real Debt Guy, whether expressed or implied, is used at your own financial risk. If we mention other companies, services or products on our website or materials it is only part of the information we provide and is in no way an endorsement or affiliation and therefore, you should always carry out your own independent research on such companies, services or products before making any decisions.

Speak to us.

It's good to talk! Debt can seem like a lonely place, it doesn't have to be. Join our community to interact directly with The Real Debt Guy team and other members like you. Debt is not something that you have to suffer alone. We got you.

Speak to The Real Debt Guy

Budget planner.

Do you know how much you have left at the end of each month? Do you need to send an income and expenditure to a creditor? We've got you covered. Our budget planner provides you with a simple and free way to view and track your spending.

Let's go