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The Budget Clinic blog

Money, made simpler

Plain-English guides to budgeting, saving, debt and the latest changes that affect UK households.

Debt Avalanche or snowball: which debt should you pay off first? Two popular ways to clear several debts, what each one costs, and how to choose. With a worked example. 30 October 2026 · 2 min read News The 28 October Budget: what it means for your money Income tax and National Insurance stay frozen, the cash ISA cut is scrapped, savings tax goes up and there's £100 off energy for many homes. Here's what changes and when. 29 October 2026 · 3 min read