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‘The problem is when people cannot manage to pay their everyday expenses or have an unexpected income shock and turn to credit to continue their standard of living, rather than knowing how to adjust their budget accordingly.' Clack continues: 'If you think you are falling into debt again, it is important to reach out straight away and be honest.

Talk to your family, bank, creditors and debt advice providers, as they may be able to provide you support.'Pay Plan’s Jane Clack, says :’ Forget the spreadsheets and fancy software; a simple pen and paper is enough to give you a clear picture and help you budget going forwards.

This strategy is pretty straight forward: You look at all of your balances and the interest rates associated with each.

Whichever one has the highest annual percentage rate (APR), that’s the one that gets the focus of being paid off first (while still making minimum payments on your other cards, of course).

Remember if you have used a personal loan to borrow you may be charged an early repayment fee so weigh up the costs and benefits carefully.

Clack adds: ‘Paying on plastic doesn’t really feel like we’re parting with cash so we tend to spend more.

Once that card is entirely paid off, you move on to the one that has the next highest APR, and so on.

And I believe that is exactly what you want or you won’t be here reading this page.

I will share a program I found a month ago that will let you generate free Amazon card code and redeem it on your account.

And then, of course, use the funds to pay items you bought on that store.

Whether you’re trying to stay out of debt or are working through a debt plan, pay with notes and change to reduce impulse spending.’Jane suggests: ‘This doesn’t mean you need a second job – maybe you could take in a lodger, rent out a car parking space, sell any unwanted items at car boot sales – there are a lot of ways you can make a little bit of money that might make all the difference.’ If you are struggling with debts, picking a current account with a cheaper overdraft will help make sure your borrowing doesn’t get hugely inflated and help you avoid clocking up extra fees for going beyond your limit.

Jane Clack, financial adviser at Payplan, says: ‘If you’re using a credit card to rebuild your credit rating, choose one specially designed for this with a low spending limit and only ever use it when you know you can pay it straight back.’ Clack explains: ’Even if there’s nothing you particularly want or think you need to put money aside for, having this means you’ll be less tempted to borrow and will have money to cover you if anything happens.

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