Cassie and her husband are in debt. But they manage their finances very well.

They pay their bills regularly and watch their spending. They plan for their future by saving money and contributing to a pension.

As long as they keep up with repayments, their mortgage can be seen as a manageable debt.

Things that could help Cassie and her husband improve their situation:
• Shop around for a better deal on her mortgage, to reduce monthly repayments.
• Reduce outgoings by switching energy suppliers.
• Compare supermarket prices to get a better deal.