5 Ways To Take Back Control Of Your Money In 2025

To take back control of your finances in 2025, start by reviewing your income, spending, debts, and savings. Set small financial goals, build a basic budget, and explore ways to save money on everyday costs. If you're feeling overwhelmed, free budgeting apps and financial advice services can help you get started.

If you're struggling with money, you can start by tracking your income and outgoings to understand where your money is going. Next, create a simple spending plan, prioritise essentials, and look for ways to reduce non-essential costs. Free tools, apps, and advice from charities like StepChange or The Money Charity can also guide you through the process.

If you’re struggling to afford your car finance payments, it’s important to reach out to your lender as soon as possible. At Marsh Finance, we understand that life happens. Our dedicated support team will listen to your situation without judgment and work with you to explore affordable options, like payment plans or temporary pauses. Need support? Contact us today.

When you contact us because you're struggling, our customer care team will talk with you confidentially and without judgment. We’ll ask a few simple questions to understand your situation and then offer tailored support options. These might include payment holidays, reduced payment plans, or help reviewing your agreement. The sooner you reach out, the more we can do.

If you’re in debt and don’t know where to turn, free support is available. Trusted organisations like:

• StepChange Debt Charity
• National Debtline
• Citizens Advice
• Christians Against Poverty
• Turn2us

...offer non-judgmental help and can work with you on realistic repayment plans and budgeting advice.

Yes, car finance refinancing can be a way to reduce your monthly payments, especially if your credit has improved or if interest rates have dropped since you took out the loan. Talk to your lender or a car finance broker to explore whether refinancing could help make your repayments more manageable.

If your current car finance deal is too expensive, you may be able to downgrade to a more affordable vehicle. This can lower your monthly payments and sometimes reduce running costs like insurance and fuel. Speak with your lender about part-exchange or early settlement options before making any changes.

Missing a car finance payment can impact your credit score and may lead to additional charges or recovery action if left unresolved. But if you act early and contact your lender, many will work with you to prevent further issues. Communication is key, don’t wait until you fall behind.

To get your finances back on track, start with small, achievable goals. Cut back on non-essentials, deal with priority debts first, and build a small emergency fund if you can. Seeking help from a debt advisor, using budgeting tools, or speaking to your finance providers can also help relieve pressure.

Yes, if your circumstances have changed due to redundancy, illness, or another life event, we want to help. Marsh Finance offers flexible support for customers experiencing financial difficulties. Reach out to our customer care team, and we’ll look at all available options to support you through this time.

If you’re behind on both bills and car finance payments, prioritise your essentials first (like rent, food, car, and utilities) and speak to all your lenders, including your car finance provider. At Marsh Finance, we’ll never judge; we’ll work with you to find a manageable solution based on your circumstances.

Worried about missing a payment? Contact our friendly team today.

No, simply asking for help won’t affect your credit score. In fact, proactively reaching out can help protect it by preventing missed payments. We’ll always try to help you avoid falling behind and support you in keeping your agreement on track.

You might be able to end your agreement early through voluntary termination, depending on how much you’ve already repaid. This is a legal right under UK law, but it’s important to understand the terms and potential costs. Contact us and we’ll walk you through it.

If you're experiencing poor mental or physical health, a life event like bereavement, or difficulty understanding your finances, you may be classed as a vulnerable customer. Marsh Finance has support systems in place to help, including communication adjustments, flexible repayment plans, and signposting to specialist organisations.

Yes, even a simple budget can give you a clearer picture of where your money is going and help reduce financial stress. Knowing what’s coming in and going out each month allows you to make better decisions and feel more in control.