This site contains affiliate links. We may earn a commission at no extra cost to you.

Home

Stop Paying Interest.
Start Taking Control.

Practical guides on credit cards, credit scores and budgeting — built for people who want real answers, not fluff.

79+ guides published

UK and US coverage

Updated for 2026

No jargon. No fluff.

Where do you want to start?

Pick Your Financial Problem

Credit Cards

Escape Credit Card Debt

Balance transfers, consolidation loans, negotiation scripts. Stop paying interest and start paying down the balance.

Read the guides

Credit Scores

Build Your Credit Score

From scratch or after bad credit. Practical steps that actually move the needle — no vague advice.

Read the guides

Budgeting

Fix Your Budget

Simple systems for irregular income. Stop the paycheck-to-paycheck cycle without a complicated spreadsheet.

Read the guides

Our guides, packaged up

Downloadable Guides That Go Deeper

Step-by-step systems for when you need more than an article.

Most popular

Credit Card Debt Firewall

91 pages. The complete UK system for clearing credit card debt in 12 months. Includes negotiation scripts and a week-by-week calendar.

£14

Get the guide

Credit Score Rescue Plan

Step-by-step guide to repairing and building your UK credit score. Includes dispute letter templates and lender-specific strategies.

£17

Get the guide

Budget Barebones Playbook

The simplest UK budgeting system for irregular income. Track essentials, cut waste, and save — without a complicated spreadsheet.

£9

Get the guide

One email a week.
Practical tips you can use today.

Join UK and US readers getting the Card Punch weekly briefing. Free. No spam. Unsubscribe any time.

Card Punch

Practical personal finance for UK and US readers. Credit cards, credit scores, and budgeting without the jargon.

Legal

This site contains affiliate links. We may earn a commission at no extra cost to you. Content is for informational purposes only and does not constitute financial advice.


Copyright 2026 Card Punch. All rights reserved.