The Martin Lewis Podcast Question Time: Homeless to Homeowner- what next? Debt making me ill.. help! Save, or pay on 0% card? Close old accounts?
Mar 2, 2026
Tackles serious debt worries and where to find breathing-space support. Celebrates a journey from homelessness to buying a home and what to do next. Weighs up saving, 0% finance and Buy Now Pay Later. Explains safe ways to use interest-free cards and the stoozing trick. Discusses whether to close unused current accounts and shares a couple of surprising personal anecdotes.
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Get Free Nonprofit Debt Help And Emotional Support
- Do seek help from non-profit debt advisers like StepChange, Citizens Advice or National Debtline.
- Martin recommends Christians Against Poverty for extra emotional support alongside practical debt counselling when mental health is severely affected.
The Debt And Mental Health Vicious Cycle
- Insight: Money problems and mental health are tightly linked and require joined-up support.
- Martin explains people with mental health issues are over three times more likely to face crisis debt and combined treatment models help recovery.
Homeless To Homeowner Success Story
- Emma moved from being homeless and a teenage single mum to buying a house and paying off £16,000 of debt.
- She used her full Lifetime ISA for the deposit, spent savings on essential repairs, and now aims to save £250 per month.