How Clear Is Your Plan for Paying Off Debt?

Look at balances, repayments, interest awareness and spare cash. Find the information or routine missing from your debt-payoff plan and a practical next step.

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Question 1 of 10

What would I most like a clearer debt-repayment plan to help me achieve?

I want to understand exactly what I owe and what it costs. I want a repayment routine I can maintain while covering essentials. I want to recognise progress without having to guess. I want to work out what I can afford to pay extra, if anything. I want to know when getting free debt advice would be useful. I have a different outcome these answers don't describe.

Why we’re asking this:

This establishes the outcome that matters most to you.

Question 2 of 10

Which small win would tell me my repayment plan was becoming clearer?

I have a debt list based on my latest statements or current arrangement records. I have payment amounts and due dates in one place. I understand which interest or charges apply and when any promotional rate ends. I have a budget showing what is genuinely available for extra repayments, if anything. I have a review routine I can repeat when new statements arrive. I would recognise a useful improvement in a different way.

Why we’re asking this:

This identifies a practical improvement you would value.

Question 3 of 10

If my repayment plan fitted my circumstances, what would a good ordinary month feel like to me?

I have planned repayments that fit my income and essential costs. I check and update my balances without relying on a running total in my head. I can tell whether my balances are changing and what contributed. I have less frequent household costs included in the plan. I can explain the next decision I need to make or discuss with an adviser. I have a different picture of what a good month would feel like.

Why we’re asking this:

This shows how a useful plan would fit everyday life.

Question 4 of 10

Thinking about the information I use for my repayment plan, which description best fits my current debt records?

I have current balances, payment details and applicable interest or charges recorded. I have current balances but occasionally miss changes to interest or charges. I know my balances and repayments but regularly can't identify the interest or charges currently applied. I regularly discover balances or amounts due that I hadn't included in the plan. I currently have no outstanding debt to repay. My records don't fit these descriptions, or I'm not sure what they show.

Why we’re asking this:

This records how complete and current your debt information is.

Question 5 of 10

During the past three months, how have I usually handled scheduled debt payments?

I track payment amounts and due dates and make affordable payments as planned. I occasionally update a changed payment amount or date later than I intended. I often leave checking the payment details until close to the due date. I regularly discover a missed or underpaid repayment because I hadn't kept track of what was due. I know the amounts and dates but struggle to afford the scheduled payments. My situation is different, or I'm not sure how these descriptions apply.

Why we’re asking this:

This records your payment routine and distinguishes organisation from affordability.

Question 6 of 10

When I decide whether to pay extra towards debt, how do I usually work out what I can afford?

I use a current budget, including essentials, less frequent costs and scheduled payments, before deciding on any extra. I usually use the budget but occasionally overlook an upcoming cost when estimating spare cash. I often treat my bank balance as spare cash without checking payments still due. I regularly pay extra, then need credit or money reserved for essentials to get through the month. I've checked my budget and currently have no affordable spare cash for extra repayments. My approach is different, or I'm not sure what my budget can spare.

Why we’re asking this:

This records how you assess spare cash without assuming extra repayments are affordable.

Question 7 of 10

Which recurring frustration, if any, best describes my experience of trying to repay debt?

I regularly feel frustrated that I'm making payments but can't explain how my balances are changing. I regularly feel frustrated by checking what is due at the last minute. I regularly feel frustrated when extra repayments leave me short for everyday costs. I regularly feel frustrated that my current income doesn't cover essentials and scheduled repayments. I have a different frustration, or I'm not sure what frustrates me most. I don't find my current repayment approach particularly frustrating.

Why we’re asking this:

This identifies a frustration you actually recognise.

Question 8 of 10

Which effect, if any, have I noticed from the way I currently manage my repayment plan?

I spend time guessing what my repayments achieved without current information to check. I keep spending time sorting out missed payments after overlooking due dates. I regularly use credit to cover everyday costs after making repayments. I keep changing extra-repayment plans because money I thought was spare is needed elsewhere. I notice a different effect these answers don't describe. I don't notice these effects in my everyday life.

Why we’re asking this:

This records a practical consequence without assuming there is one.

Question 9 of 10

Thinking about patterns I already recognise, which concern about the next few months matters most to me?

I keep deciding from incomplete debt information, and I'm concerned I'll continue without understanding whether my balances are falling. I keep leaving payments until the last minute, and I'm concerned I'll keep making rushed payment decisions. I keep committing extra money without checking upcoming costs, and I'm concerned I'll need to borrow again. I already struggle to meet essential costs or scheduled repayments, and I'm concerned this will continue. I have a different concern, or I'm not sure which concern applies. I don't have a concern about continuing with my current approach.

Why we’re asking this:

This identifies a concern tied to a pattern you have actually experienced.

Question 10 of 10

Looking ahead, which change would make the biggest difference to how I manage my repayment plan?

I have a current picture of balances, payments and applicable interest or charges. I have a payment routine that fits my income dates and current commitments. I can make a realistic decision about any extra repayments while keeping essentials covered. I have a review routine that shows what is happening to my balances. I know where to get free debt advice suited to my circumstances. I have a different change in mind that these answers don't describe.

Why we’re asking this:

This identifies the better repayment-planning experience you want to work towards.