Managing debt

One of the easiest ways to get your money sorted, is to get your debt sorted. This section has information on how to manage your debt including details of the main borrowing options.

• Pay off debt or save?
  Should you pay off your debt faster or start saving now?
• Think before you go into debt
  Think about whether borrowing is really the best way to get what you want. Work out how much that loan will really cost you.
• Credit cards
  Get the right card and use it wisely.
• Car loans
  Check out all your options before you hit the car yards.
• Hire purchase
  What you should know before you sign up to a hire purchase (credit sales) agreement.
• Personal loans
  Getting a loan can be expensive, but if you know your options and shop around you will spend less.
• Get out of debt fast
  Work out how to get out of debt fast.
• Repayment problems
  What to do if you have trouble meeting your debt repayments - including how to check your credit history.

You can order or download a printed summary of this section in our Sorted booklet 'Managing debt - It's easy to get into, harder to get out'.