Balls deep in your overdraft? Missed the last five repayments on your credit card? We're here to help – without telling you that you're LIVING BEYOND YOUR MEANS! or that you need to DRAW UP A BUDGET! because, well, you know that. Deep breath. It's gonna be fine.

Links:
Banks' right to set off – https://www.moneysavingexpert.com/banking/setting-off/
Tesco Bank 0% money transfer credit card – https://www.tescobank.com/credit-cards/money-transfer-card/
Nationwide £500 interest-free overdraft (it used to be for a year, as we say in the episode, but now it's just 3 months – sorry!)– https://www.nationwide.co.uk/products/current-accounts/flexaccount/features-and-benefits
Nextdoor – https://nextdoor.co.uk/
Moneysavingexpert debt resources page (including links to counselling services, template letters to creditors, planning and budgeting tools, utilities companies that offer schemes to help people in debt, etc) –https://www.moneysavingexpert.com/debt-help/

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