成人论坛

Father-of-two Nick wants to swap two bad habits for one good one. He is desperate to consolidate his debt and stop smoking, using the money he spends on cigarette to pay off his 拢5,000 credit cards. But will the Hull and East Yorkshire Credit Union help him kick the habit?

In Fenton, near Stoke on Trent, garage mechanic Nev swaps old bangers for a brewery. He and his wife Karen started by making beer in their garden shed and then borrowed 拢25,000 from ethical lenders to expand the business.

On the Norfolk Broads, teenage car-crash victim James turns national kayaking champion thanks to a boathouse built with the help of a 拢120,000 community loan, and we meet Laura, from Gloucestershire, who had huge debts totalling 拢35,000 when she was just 25 years old. Laura realised the debt was ruining her life, so she set herself a five-year plan to pay it all off. She tells us how she did it and why it makes her ideally suited in her current job as a money advice expert.