Debt

Dealing with debt can be difficult. We offer access to a range of free, confidential and personal debt support through our trusted partners, including PayPlan and StepChange.

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    Managing your debt with PayPlan

    Exclusive content from the Retail Trust partnered with PayPlan

    We offer free, confidential and personal debt support through our trusted wellbeing partner PayPlan.

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    Dealing with priority debts

    Exclusive content from the Retail Trust partnered with PayPlan

    There are various types of debt. Understanding each one and making sense of your financial situation is really important when working out the best method of dealing with your priority debts.

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    Debt and vulnerability

    Exclusive content from the Retail Trust partnered with PayPlan

    Debt can impact on your physical and emotional wellbeing. These vulnerabilities can affect your ability to deal with finances, especially if you are experiencing mental health problems, a physical disability, addiction or terminal illness.

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    How does debt advice work?

    Exclusive content from the Retail Trust partnered with StepChange

    If you’re worried about money, you might be considering getting debt advice. However, we know that talking about money and facing up to your debt situation can be difficult. StepChange answer some common questions to put your mind at ease.

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    How do I know if I need debt advice?

    Exclusive content from the Retail Trust partnered with StepChange

    Money worries are common, and sometimes it’s hard to know if you can manage by cutting back on your spending, or whether you might benefit from expert debt advice.

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    StepChange’s 7 Days, 7 Ways programme to take control of your finances

    Exclusive content from the Retail Trust partnered with StepChange

    Developed by debt charity StepChange, 7 Days, 7 Ways is a simple, seven-day email programme that will help you understand how to tackle any financial issues you may be facing with confidence.

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    How talking about debt helped Jamie

    Exclusive content from the Retail Trust partnered with StepChange

    If you’re struggling with money, it can feel isolating. Lots of people find it hard to talk about debt and financial difficulty, and it can be a very lonely experience. Jamie shares his story of how he fell into debt, and how he’s now on his way to financial recovery.

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    Nine ways to save money when in debt

    Exclusive content from the Retail Trust

    Reducing your outgoings can feel an overwhelming challenge, especially if you’ve already made compromises to your lifestyle to save money, however with a little help you might be surprised at what you can save.

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    Dealing with persistent debt

    Exclusive content from the Retail Trust partnered with StepChange

    If you have received communications from your creditors where they mention ‘persistent debt’, learn what this means and how you can tackle it.

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    Talking to others about your debt

    Exclusive content from the Retail Trust

    Talking to others about debt can be very difficult, especially with those closest to you. If you are dealing with debt on your own it can impact your wellbeing and make it an even bigger burden to carry.

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    Bereavement and debt

    Exclusive content from the Retail Trust partnered with PayPlan

    The death of someone close to you can have significant impact on your wellbeing. Not only does it affect you emotionally, bereavement can also have repercussions for your plans for the future, and your finances

Create your personalised toolkit

Personalise your experience by telling us what interests you. Simply select from the list of subjects available.

Change your mind? You can easily update your preferences at any time. Your information is kept safe and confidential at all times.

Create your personalised toolkit

Here are some of the subjects we cover:

  • Managing stress
  • Giving up smoking
  • Core skills to help you at work
  • CV and interview support
  • Redundancy
  • Loss and bereavement