Learn at your pace
Practical guides for the process, plain English articles on the topics that matter, and mindfulness pieces for the mental side of it. All free, no signup, written for the UK.
GuidesLong-form walkthroughs on the topics that catch people out: bailiffs, harassment, complaints, statute-barred debt.
Latest guide
What counts as harassment under the FCA's CONC rules, how to log it, and the exact steps to make it stop.
More guides
How to Complain About a Bank or Debt Collector
Bailiff Powers in the UK: Your Legal Rights
ArticlesShorter reads on specific UK debt topics: balance transfers, charging orders, IVA pitfalls, credit files.
Latest article
A 0% deal pauses interest, not debt. How the offer really works, what the fee costs you, and why deals end early.
More articles
What Is an Order for Sale, and Can You Stop It?
Charging Orders Explained: How to Stop One
MindfulnessHonest reading on the emotional weight of money worries. No toxic positivity or life-coach cliches.
Latest piece
Why money worries hit your sleep, mood and relationships, and a calmer way to face them without pretending they aren't there.
More mindfulness
Ikigai: A UK Guide to Finding Your Purpose
Read enough?
Do it yourself
Free, on your phone or laptop. No signup. Produces the same income and outgoings breakdown that creditors and free advice services ask for.
Free no signup · save your progress · yours to keep
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Ask your UK debt questions in the Members’ Hub and get answers directly from The Real Debt Guy. Keep exploring the free library whenever you want.
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The Real Debt Guy book
Credit, debt letters, court claims and debt options, brought together in one plain English book. Written for anyone who uses credit in England and Wales, not just people already in trouble.
Hear the opening of Chapter 1 on Spotify before you decide.
