Debt has a nasty habit of creeping up on us unawares. It may be manageable one day, but can turn into a problem overnight. This can all come down to a change in circumstance that is beyond your control or to the fact that you regularly increase your borrowing without paying back enough to keep things on an even keel. Severe problems may be easy to identify; it's not always so simple to see when you are heading into difficulties. The Money Advice Service's debt test may help.
What is the Debt Test?
This is a simple to use online tool targeted at UK consumers that was set up by the independent financial advisory service, the Money Advice Service (previously the Consumer Financial Education Body). It is 100% confidential, doesn't require in-depth financial information and takes only a few minutes to complete. Based on the kind of data that a credit reference agency would use to assess your credit/debt relationship, it can give a useful snapshot of the overall health of your finances and whether you need to change the way you manage your money.
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