Financial stress is the leading cause of male suicide in the UK.
We have created a really simple tool that can help you a) understand your debt and b) help you plan and visualise your exit from debt.
The Math: Take-home income minus essential living costs minus priority arrears equals what is actually available for debts.
The Method: List debts by smallest balance first (snowball) or highest APR first (avalanche) once the budget works.
The Rule: If the figures do not cover minimum payments or leave room for emergencies, stop and get free advice instead of forcing a plan.
Free UK Help: MoneyHelper, StepChange, and National Debtline.