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How to Manage Your Budget After a Pay Cut

07th February 2025

A pay cut can feel like a punch in the stomach, especially if it is unexpected.

It might be due to company downsizing, economic challenges or a change in your role. Either way, earning less money means adjusting how you manage your finances. It is not easy, but you can navigate this shift with the right strategies without losing your footing.

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WARNING: Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk

How much would you like to borrow:

£200
£750
How long would you like it for?
3 months
6 months

Your monthly repayments are:

1
£
2
£
3
£
4
£
5
£
6
£
Total amount to be repaid:
£  
Annual percentage rate:
  % APR

Representative Example: £200 loan for 6 months at a fixed interest rate of 290% pa. Total amount payable is £355.99 in monthly instalments of £65.11, £78.35, £64.05, £58.76, £48.16 and £41.56. This is based on the amount of credit plus interest, no other fees apply. Representative 1266.2% APR


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