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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?
Debt isn’t just numbers on a page; it’s sleepless nights, constant worry, and that knot in your stomach every time a bill drops through the letterbox. If you’re in the UK and feeling overwhelmed by debt, you’re not alone.
The Real Debt Guy exists to make finance and debt less daunting. We’re here to offer straight-talking, practical support for real-life situations, from tackling council tax arrears to understanding your credit file. No jargon. No judgment. Just honest, down-to-earth help.
Dealing with debt doesn’t just hit your bank account; it impacts your mental health, your relationships, and your day-to-day life. That’s why every guide we share is created with care, aiming to empower you with clear steps (without overwhelming or shaming you).
No hidden agendas. No creditor bias. Every partner we work with is chosen because we believe they genuinely help UK residents get back on track. We’ll never recommend anyone who pushes you into more debt; that’s completely against our values.
Honest info, practical tools, and the reassurance you’re not alone in this. Whether you’re in London, Glasgow, or anywhere in between, we’re here to help you figure out your next move.
Because you deserve better than sleepless nights over money. Like we always say… We got you.
But how do we make money?
We always want to be open about the way The Real Debt Guy website makes money, and this is achieved through:
01
Ethical Partner Presence
02
Ethical Affiliates
03
The Real Debt Guy Community
04
The Real Debt Guy Consultations
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.
Simplifying complicated matters.
Disclaimer
The Real Debt Guy offers an information and research service only. Although he is a qualified Independent Financial Adviser (IFA), he does not provide financial advice through this platform and is therefore not required to be registered with any financial organisation or supervisory body in this context.
All information provided by The Real Debt Guy, whether given verbally, by phone or video call, through written communication (including email, social media, newsletters, and messages), or published content such as articles, podcasts, or videos, is intended solely for educational and informational purposes. It does not constitute financial advice, a recommendation, or an endorsement, and should not be relied upon for making or avoiding any financial, debt-related, or investment decisions.
The service is offered as an academic or journalistic expression of opinion. The Real Debt Guy accepts no responsibility for any actions taken based on the information provided, and all decisions are made entirely at your own risk.
If third-party companies, products, or services are mentioned, this is done for informational purposes only and should not be interpreted as an endorsement or affiliation. You are strongly encouraged to conduct your own independent research before making any financial decisions.
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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.