Feeling stuck in debt despite making payments? This guide helps you understand exactly where your money is going and why progress feels slow. Built for UK adults juggling multiple credit cards, loans, or overdrafts, it cuts through the confusion with a clear, practical system.

The 60-minute Debt Action Map is your starting point. You’ll map every balance, APR, minimum payment, due date, and overdue account in one place, then calculate your true monthly debt cost. When you see the full picture, you can start making real progress.

What’s included:

• Debt Action Map (printable worksheet)
• Debt Snapshot Worksheet
• Monthly Debt Cost Calculator
• Missing Information Checklist
• Educational guidance on debt structure (not personalised financial advice)