Whether you have credit card debts or an overdraft or a stack of store credit, you can get back in the black for very little cost.
Warning over pupil premium's impact

Fifteen per cent of teachers questioned say reducing class sizes is their top priority for the pupil premium
The Government's flagship pupil premium could have a limited impact on the poor children it is designed to help, a charity has suggested.
Less than 3% of teachers say they are planning to use the money to allow pupils to teach their classmates and to give good feedback on students' performance, according to a report by the Sutton Trust.
But these are the most cost-effective measures, and if done properly, are likely to boost pupils' achievement, claimed the trust.
Their new report draws on a survey of almost 1,700 primary and secondary teachers, who were asked how they plan to spend the pupil premium money that their school receives.
The premium, a key initiative for the coalition Government, is extra funding attached to disadvantaged children, following them as they move schools. It is given to pupils eligible for free school meals - a measure of poverty - with the aim of closing the achievement gap between richer and poorer youngsters.
The new findings show that 15% of those questioned say reducing class sizes is their top priority for extra spending, with 16% saying they will focus on early intervention schemes. One in 10 said that more one-to-one tuition will be the top priority, with 13% citing additional teaching assistants or teachers, and 8% saying pupil premium funding will be used to offset budget cuts elsewhere.
But more than one in four (28%) said that they did not know what the top priority was for spending pupil premium funding. Just 2% said it would be used to improve feedback between teachers and pupils, with less than 1% saying they will introduce peer-to-peer tutoring schemes.
The trust said its teaching and learning toolkit, created with the Education Endowment Foundation, shows that these two schemes, if implemented well, can boost pupils' performance by the equivalent of an extra eight or nine months in a school year.
Chairman Sir Peter Lampl said: "If the billions of pounds allocated through the pupil premium are to genuinely help improve the results of poorer children then we need to ensure that teachers receive the best guidance on what works in the classroom."
A Department for Education spokesman said: "We trust professionals on the front line to do what is best for their pupils. We will not tell teachers how to spend the pupil premium, but we will hold them to account for what they achieve with it. From September, schools will have to publish information showing how they have spent the pupil premium and what the impact of that spend was in narrowing the gap between rich and poor students."
related stories on msn
latest money videos
more on msn money


Because the sun has to shine eventually...

Nearly half of UK households say that they would struggle to cope if their monthly outgoings rose by £99. We look at how you can create some financial 'breathing space' to help you out if you lose your job or become ill.

Avoid these mistakes if you want to lead a richer life!

Save regularly to nab a leading easy access ISA rate from Newcastle Building Society and the chance to earn up to £1,000 cashback.

Barclaycard is now offering a record 27 interest-free months to pay off your debts.

The taxman says three and a half million people are due a refund, but two million will have to fork out for underpaid tax.

Fed up with low savings rates and high borrowing rates? As Dave Fishwick and his Bank of Dave has demonstrated, there are other options out there.

If you want to find a unique property bargain, there is plenty of help available online - you just need to know where to look.

US couple have found an innovative solution to the problem of sky-high house prices.

People who live in high flood-risk areas will be insured against flooding for an extra month under the current deal between the Government and the insurance industry, Environment Secretary Owen Paterson has said.

The two banks have now joined the Post Office's banking network, meaning customers can make withdrawals and deposits at branches around the UK.



