Stop relying on blanket internet advice when deciding what to do with your next spare pound.

This practical digital worksheet helps beginners work through the choice between overpaying debt and starting to invest using their own circumstances, priorities and comfort level. Instead of presenting a one-size-fits-all answer, it guides you through the key questions that can affect your decision, including the cost and urgency of your debt, your financial priorities, your time horizon and how comfortable you are with uncertainty.

Complete the prompts at your own pace, compare the trade-offs clearly and finish with a more considered next step. Designed as an easy-to-use worksheet, it turns a confusing personal finance question into a structured decision you can revisit as your situation changes. Delivered online for immediate digital access.