D&B Langford Money

A calmer way to face money pressure

You are not your debt

Debt can make every decision feel urgent. D&B Langford Money gives you a clear debt repayment planner for the UK, with essentials protected first and each next step shown plainly.

Start with the numbers you know. Leave judgement at the door.

Start a safe budget Find support

Your next calm step

Protect essentials

Rent or mortgage
Energy and council tax
Emergency buffer£125 of £500

Small moves count. The plan changes when your circumstances do.

A plan you can see

How we help you manage debt

Put every balance in one view, then choose the repayment approach that feels workable. You stay in control.

01

See the whole picture

Record balances, interest rates and minimum payments for cards, overdrafts and loans.

02

Pick your method

Use avalanche to focus on interest, or snowball to clear smaller balances first.

03

Cover essentials

Your budget protects housing, food, energy and transport before flexible spending.

04

Watch progress

See an estimated timeline, expected interest and the effect of each extra payment.

Plan clarity

Four steps to a repayment view you can act on.

75%

Protect what matters

A cost of living budget starts with the bills that keep life steady. D&B Langford Money can flag essential categories and warn you when a planned payment leaves them exposed.

Essentials come first.

Essential
  • Rent or mortgage
  • Council tax
  • Energy and water
  • Food and travel to work
Flexible
  • Subscriptions
  • Extra repayments
  • Takeaways and treats
  • Optional shopping
Bill alert example

Your energy payment is due in 4 days. The current plan keeps £86 aside for it.

Small payments add up

Manage Buy Now Pay Later

List every commitment across providers and see the total outstanding amount. The view helps you avoid missed dates and late fees.

Repayment visibility
Home essentials

Provider account

Due date 18 June
Outstanding £74.50
Plan payment
Clothing order

Provider account

Due date 27 June
Outstanding £120.00
On schedule

Keep payments visible. If a date looks difficult, review the plan early and seek qualified advice.

Resilience is built in inches

Build a small emergency buffer

A £500 mini emergency fund can help cover a repair, urgent travel or a sudden bill without reaching for more credit. The plan suggests a weekly amount that fits after essentials and agreed repayments.

Shape a savings plan

Mini emergency fund

£125 / £500

Started£250£500

Next suggestion: set aside £8 each week. Review it after your next pay date.

You don't have to handle this alone

Need more help?

Our budgeting tools can sit alongside advice from a qualified debt organisation. Reaching out early can make the next decision clearer.

StepChange

Debt advice, repayment options and practical help for people across the UK.

Visit StepChange

Citizens Advice

Guidance on priority debts, benefits, household bills and local support.

Visit Citizens Advice

National Debtline

Confidential guidance and tools for handling debt and creditor contact.

Visit National Debtline

These organisations provide impartial guidance. The right support is worth seeking.

Start feeling in control again

Create a budget that protects essentials, shows your repayment order and leaves room to build resilience one week at a time.

Create your budget Talk to D&B Langford Money

One clear step is enough for today.