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Are you a financial avoider, survivor, juggler or indulger?


Many of us may not realise it, but how we deal with debt is often determined by the type of person we are, our attitude to risk, and at what point in our lives we are at.

So whilst some of us are very prudent and do everything to avoid getting into debt, others do what they need to survive; others juggle and some of us indulge, throwing caution to the wind.

This attitude is determined by as much as our personality, as it is by our means, and throughout our lives can change, as we learn from our past experiences, but also as we take on more responsibilities and our circumstances change.

These factors are now likely to be significant in how many Britons will now deal with their debts in the post lockdown world.

What is the post lockdown financial world?

For many of us, the post lockdown financial world that we find ourselves in is one where our debts have now increased and interest and charges have continued to be added to them, even where we had payment breaks. Lenders may want larger repayments and be less likely to offer breathing space or further payment breaks. It won’t be the same world many of us became accustomed to during the lockdown: phones will ring from calls from debt collectors and Bailiffs will knock on doors; for some, the risk of evictions and repossessions will be real again.

For those who are fortunate the solution will be simple: resume making payments, even where debts have increased as they can do so. For those less fortunate, difficult choices will have to be made. 

Whether you will have to make a difficult decision and what that decision will be may partly be determined by your consumer type. Are you an avoider, a survivor, a juggler, or an indulger?

The good news, whichever, you are, is it may still be possible to change, providing you take heed of your situation and get advice.

We have a wide range of debt management solutions that could help you write off up to 81% of your debts

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If you are an avoider you will probably not have that much debt, as you were risk-averse before the Lockdown began. Avoiders don’t like getting in too deep and may even have some savings for a rainy day. They find it stressful when they owe money, even small amounts, and only borrow when they need to.  

The chances are, even when they do borrow, they clear their credit card each month and probably only use an overdraft in emergencies.

They probably used the lockdown to get their finances in order and are likely to have come out better off than when they went in. They probably don’t have any hard decisions to make and probably don’t need to seek advice.


Survivors are those who just get by in normal times. They normally have children and often struggle to make ends meet. Survivors usually have little to no savings and very little spare funds each month. Unexpected events and emergencies, such as lockdown, can throw them into financial difficulty.  

Many survivors will emerge from lockdown struggling even more from debt than they were doing before it started. They may need to seek advice, especially if they have living cost debts related to rent arrears, fuel bills, and council tax


Jugglers will probably leave lockdown in more debt, though they may have switched credit cards, and paid off overdrafts, using 0% credit card money transfers during the crisis. Jugglers usually rely on credit to get by each month but have enough knowledge and skill to avoid missing payments and a black mark on their credit report. 

However, as time goes by, jugglers run out of time. Their debts rarely go down and usually increase over time, as they consolidate and switch credit cards. If jugglers have been able to pay down their debts during the lockdown, they should continue doing so afterward, otherwise, they may find the financial pyramid they have built comes tumbling down. 

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Indulgers tend to be younger and lacking financial experience. Unlike the other three, they are not even trying to keep on top of their debts and are blazing ahead with an overly optimistic view of their future and ability to repay.

Indulgers probably saw their debts increase over the lockdown and may even have taken out more credit cards and loans during and after it. At some point, indulgers have to face a reckoning, unless they are lucky and are saved by the bank of Mum and Dad. However, unless they learn, it will happen to them again. 

If you are experiencing financial difficulties and want to speak confidentially with an Advisor, contact us on 0808 253 2966

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