Debts for the Self-Employed
Self-employed people face specific pressures — variable income, tax bills, and the blurring of business and personal debts.
Managing debt when your income moves each month
How to build a realistic budget from unpredictable income — and which formal solutions still work if you're self-employed.
Read the full guideSelf-employed and behind on HMRC
Falling behind with tax as a sole trader is very common — and very fixable if you act early.
Read the full guideRelated guides
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2 guidesNot sure where to start? We'll walk you through it.
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