In this episode Vanda and Ruth talk about the concept and practicalities of personal debt.  Debt can be such a burden for many people and so difficult to talk about. So in this episode we take a step back and unpick debt in a bit more detail - what exactly is debt, the social attitudes and norms that exist around it, what are the different types of debt, and we finish by sharing tips to manage debt and the stress that it can cause.  

Helpful tools and calculators

StepChange Debt Charity Debt Remedy Tool (England only): https://www.citizensadvice.org.uk/debt-and-money/debt-solutions/debt-remedy-tool/

The National Debtline charity: https://tools.nationaldebtline.org/yourbudget/

Credit card repayment calculator:   https://www.moneysavingexpert.com/credit-cards/minimum-repayments-credit-card/#calc 

Student loan repayment calculator: https://www.moneysavingexpert.com/students/student-finance-calculator/

Debt-to-income ratio: https://www.experian.com/blogs/ask-experian/how-to-calculate-your-debt-to-income-ratio/

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