What to do if you can’t pay your bills

man stood in kitchen holding a bill

Falling behind on bills can feel overwhelming, especially when you’re juggling priority bills like rent, mortgage repayments, energy, and council tax. Whether the cause is job loss, health problems, rising living costs, or unexpected expenses, knowing what to do and where to go for help, can make a big difference. Don’t ignore the problem When…

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Meeting the challenge of declined credit

person holding mobile phone with a red cross and text saying declined credit on screen

The latest Financial Lives survey from the Financial Conduct Authority (FCA) reveals a troubling statistic: 3.2 million UK adults have been declined credit in the past two years. That’s over one in five of the population locked out of mainstream financial services at a time when the cost of living remains high and financial resilience…

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Benefits you may be entitled to after losing a partner

woman typing on a laptop

Please note that this information is correct at the time of publication (May 2025). Seek professional advice if in doubt or if you receive existing benefits or tax credits. Losing a partner is one of life’s most painful experiences. Alongside emotional grief, many people are faced with a sudden change in their financial situation. Understanding…

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5 ways to reduce bad debt

laptop showing a dashboard of graphs and hand typing on a calculator

NestEgg is now able to provide credit unions with detailed risk analyses to optimise loan performance. Based on what we’ve seen, here are five ways to reduce bad debt. Watch those debt ratios Applicants with high credit card balances (using more than 75% of their limits) are the most likely to miss payments on credit…

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Lending risk insights

Lending Risk Insights are a yet another new feature for our Decision Engine users. Achieving the right balance between risk and reward helps credit unions grow their loan book and reduce bad debt. NestEgg’s new Lending Risk Insights help responsible lenders achieve this win-win. For many years credit unions have faced uncertainty when assessing lending risk.…

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Struggling financially after bereavement? Where to get help

woman at graveside

Losing a loved one is an incredibly difficult experience. Financial worries can add further stress during an already overwhelming time. From funeral costs to changes in household income, bereavement can create unexpected financial challenges. If you’re struggling financially after losing someone close to you, there are various forms of support available to help you navigate…

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