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The good not the bad and the ugly

Day 6: Make the right choice

By now you should have received your action plan from us and know that our advice is the best way to deal with your debts. Making the wrong decision now could be tempting but will make things worse.

Read through the action plan you got from us and consider your options. If you still haven't been in touch then use Debt Remedy now to get your action plan.

Do take our advice - these people did

On our Changing Lives page you'll find quotes from people just like you who took our advice and didn't look back. If you need reassurance that you're doing the right thing, read these. 

Don't make a bad situation worse

If you're already finding it difficult to keep up debt repayments a consolidation loan is a bad idea. Debt consolidation involves taking out more credit to pay off your debts.

Unlike debt consolidation, our advice focuses on helping you deal with the money you owe without taking out any more debt. You can see how bad an option it is by using our debt consolidation calculator.

Don't pay for debt advice

Some companies charge fees to administer a debt management plan. These added costs means it can take longer to repay your debts. 

As a charity, we don't charge anything for our advice. We recommend solutions based on what's right for you, not what's profitable for us.

free debt management plan vs fee charging debt management plan

Don't take out a payday loan

Taking out a payday loan to deal with debts isn't a good idea. It's important to know that payday loans aren't a debt solution and they'll make your situation much worse. Use our payday loan calculator to see how.

Payday loan calculator

Use the sliders to enter the loan details. We’ll show you an example of how the amount you pay back can soon spiral if you can’t repay it in full when it’s due.

Loan amount: £100
Loan period: 1 day


Coming up tomorrow

Tomorrow you'll be putting your plans into action and celebrating what you've achieved. If you can't wait until tomorrow skip ahead to Day 7 now.

If you do one thing today...

Read through your action plan now to understand what we've advised.

Yesterday: Get your action plan

Today: Make the right choice

Tomorrow: Skip ahead to tomorrow

Need help now?

If you need debt help now then go straight to our Debt Remedy tool for debt advice in 20 minutes.

Get debt help now

Read more

Find out more about the different ways to deal with debt on our MoneyAware blog:

Debt consolidation: why is it a bad idea?

Payday loans lead to long term problems

Debt management: Fee vs. free

Take one mindful minute...


As part of your 7 Days, 7 Ways journey, you can also learn more about mindfulness and the benefits it may have in your daily life. Visit Mental Health Foundation’s bemindful.co.uk for more information.

Day 6: Go easy on yourself and your thoughts.

You’ve had a lot to take on board this week, and have possibly made some substantial changes to your routine and thought process. Change takes time, so give yourself space to adjust to the things you’ve put in motion.

You don’t need to try and hold on to pleasant experiences and push away unpleasant ones. Observe whatever your experience is, rather than classifying it into good or bad, like or dislike. Refer back to the ‘daily victories’ you started keeping track of on Day 4. It might also help to write about how you’re feeling in comparison to how you felt before you started learning about mindfulness.

Helping you become debt free...

“I wish to thank your staff for all the great help they gave me when I was in so much debt.
They were a pillar of support to me.” (Leslie, Essex)

Foundation for Credit Counselling Wade House, Merrion Centre, Leeds, LS2 8NG trading as StepChange Debt Charity and StepChange Debt Charity Scotland. A registered charity no.1016630 and SC046263. It is a limited company registered in England and Wales (company no:2757055). Authorised and regulated by the Financial Conduct Authority.

*This is the average rating of our service based on the StepChange reviews on Feefo by DMP and DRO clients three months into their solution.

© StepChange Debt Charity 2018