Question Time: Homeless to Homeowner- what next? Debt making me ill.. help! Save, or pay on 0% card? Close old accounts?
The Martin Lewis Podcast
BBC
4.4 • 929 Ratings
🗓️ 2 March 2026
⏱️ 30 minutes
🧾️ Download transcript
Summary
Martin Lewis gives his advice on what to do if you are overwhelmed by debt. He answers a question from someone facing debt problems which are having a very serious impact on their mental health.
We hear a beautiful tale of moving from homeless to homeowner – and Martin explains what to do next after you have bought a house.
Martin answers a question from a listener who to know if they should use Buy Now Pay Later, a 0% Purchase Card or just save up.
Plus, find out what to do if you have a current accounts you don’t use.
Plus Martin shares his remarkable hole-in-one golfing record.
If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!) – so if you’ve always wanted to know what colour his eyes are, what he's planning to do in his eventual retirement, or have a very complicated question about your personal finances, email it to MartinLewisPodcast@bbc.co.uk.
Transcript
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| 0:00.0 | BBC Sounds, Music, Radio, Podcasts. |
| 0:07.0 | Let's see what we can do. |
| 0:09.0 | I have never seen a debt problem that isn't solvable. |
| 0:12.5 | I'm not saying it's always easy or quick, |
| 0:14.4 | but I think we can get some light at the end of the tunnel. |
| 0:17.1 | Homeless to homeowner, amazing. |
| 0:19.4 | Yeah. |
| 0:20.2 | I just wanted to say thank you for everything you do |
| 0:22.5 | and I'm sure there's a lot of other listeners who also feel the same way. |
| 0:26.3 | Hello and welcome to the comingly named The Martin Lewis Podcast. |
| 0:30.1 | I do wonder what that's going to be about. |
| 0:31.9 | And this is the question time episode |
| 0:33.9 | where you get to ask me your questions on absolutely anything and everything, |
| 0:38.2 | open brackets within reason, close brackets. This week, the first question is from someone in debt |
| 0:44.3 | and that debt is having a very serious impact on her mental health and she wants to know how |
| 0:48.7 | she can get help. Then the next question is a beautiful tale of moving from homeless to homeowner. |
| 0:55.9 | And she asked me, now we've bought a house, what do we do next? |
| 1:00.1 | After that, it should I use By Now Pay Later or a 0% purchases card, or just save up for my new telly? |
| 1:06.5 | Then I've got open current accounts I don't use, should I close them? |
| 1:10.2 | And finally, Martin. |
| 1:11.6 | What's a totally normal thing that you've never done? |
| 1:15.6 | Play the theme tune. |
... |
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