Help Avoiding Debt

We’ve pulled together some tips on how to avoid debt and manage any existing debt you may have.

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1. Help Avoiding Debt

2. Tips & advice how to avoid problem debt

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Help Avoiding Debt

Almost everyone experiences debt on some level throughout their life. For some, they know exactly how much debt they are in and how they plan to get out of it; but there are others in debt who try to not to think about how much they owe because they don’t know how to deal with it.

The most important thing to do when you are in any kind of debt is understand what you owe and when you owe it. Managing your money is the key to avoiding bad debt and understanding your circumstances is the first step.

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Tips and advice how to avoid problem debt

Prioritise Your debts

Know what you owe and pay the most important debts first, like your mortgage and utility bills.

Make credit card payments on time

If you can, clear your balance every month as this will help you avoid interest charges and missed payment fees. It can also help boost your credit score!

Have an emergency fund

If you don’t have any savings, try starting to put money away every month (no matter how little) – so that when you are faced with large and unexpected costs, you can be a little more prepared. Mechanic fees and household goods breaking are usually the biggest culprits!

Learn to budget your monthly spend

There are some great free tools out there to help you map out your income and expenditure and show your affordability. We think this one from Money Advice Service is really useful. If you can, print out a budget planner and stick it to your fridge so you always know how your monthly spend is going.

Don’t make any unnecessary purchases

This may seem obvious, but it is one of the biggest causes of debt and all those little purchases soon add up! Try only buying what you can afford, or only taking enough cash out with you to cover what you need.

Make shopping lists and stick to them

Those supermarkets sure know how to entice you with offers and product placement, making it hard to pass by. Try writing out a shopping list of what you need and stick to it, or go one better and do your shopping online.

Cancel memberships you don’t use

Unused gym memberships and magazine subscriptions are big culprits here – look at what you have signed up for and cancel anything that you don’t actually use. You would be surprised how much you could save by not paying for things you don’t need to!

Talk about money in your home

Have open and frank conversations with your partner/family about your financial situation, so that everyone is working to the same budget and not making unaffordable purchases.

Compare prices on big purchases

Comparison sites are hugely popular now, mostly because of how much money they can save the buyer. From car insurance to holidays to mortgages, do your research to make sure that you are getting the best price and value.

Reviews & Testimonials

I really appreciate the support I was given regarding debt advice. I was provided with the upmost respect and there was no judgement at all. As difficult as it was to go through my situation, the advisors made me feel comfortable and were able to support me to find a solution to better manage my debts. A huge thank you to Jay and Keeley.
IB Whittaker
I was in a really bad situation due to a sad divide between my family but when I came to Refresh Debt Services, my mind was almost at complete ease. Keith Brady in particular is a lovely advisor and does his utmost to not only help, but follow each step along the way with perfect understanding of each situation. Couldn't recommend this company enough.
Michelle D'Arcy
Keith was great! constantly asked if I had any questions, made sure I understood everything, didn't rush me when I was getting information. Totally professional but also put me at ease and we even had a little joke. The weight of the world has been lifted off my shoulders. 100% recommend them.
Craig Newkland
Very very good service and advice. People at Refresh are friendly, polite and knowledgeable. Would recommend to anyone.
Linda Harvey
From the day i started my DMP the team have been more than helpful and respectful. Over the Last years i have had know reason to contact Refresh as i never had any issues with my payments ect. In the last week as my DMP has come to an end i needed advice and support with being able to show proof my DMP had come to and end and i now owe nothing, but also a huge weight lifted from my shoulders. Brenna my account manager was soo helpful and understanding and took her time to chat to me and send me all the info i had asked for. These people are not judgmental or insensitive, just helpful people trying to help you get back on track!! Thank you
jean roaach
I found refresh very helpful when I was struggling with my debts. I received monthly statements and updates on what I was paying and when things changed and was only to happy to help with any problems I had all ways pleasant on the phone and understanding. Lucky enough I am debt free thanks to refresh would highly recommended them
Keith was so helpful! Made me feel very comfortable to talk to him about the help I needed. Would recommend anyone who is struggling to talk to him! Fantastic service! Couldn’t be more grateful of his time and help!
Keith was absolutely brilliant. I was a victim of a sophisticated Bitcoin scam which has been largely responsible for my present financial predicament and I feel embarrassed and ashamed that I allowed this to happen to me.As a result I was really scared as I began to think that everything was fraudulent including Debt Management agencies. Right from the start I felt safe and reassured with Keith. He not only knew his stuff but validated my feelings and perceptions, was not at all judgemental and his concern and empathy were genuine with marked social, psychological and emotional intelligence and sensitivity. For the first time since I realised I had been scammed I could sleep. I felt protected and I still do. He would make a very good psychiatrist.
From the moment I spoke to Keith he put me at ease. He professionally took me through the possible steps, answering any questions that I had and his empathy and reassurance was very appreciated. Once I came to a final decision on what I needed Keith again answered any other questions and quickly put the plan into action. Honestly I had spent so many days/nights worrying about the debts once I had finished talking to Keith I felt like a huge weight was lifted from My shoulders!! I can’t thank Keith enough for taking the time to listen and then implement the plan for me! 10/10
Zdenka Suchankova
Its a very friendly staff, just 5:45 I wait for next phone call and now its a5:50 and nobody call me. Something wrong?

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