About the author
Most people in debt aren’t careless with money. Nobody ever showed them what the numbers were doing.
Why DebtShift exists
I started DebtShift after watching people make sensible-looking money decisions that still left them worse off. A minimum payment feels responsible. A balance transfer feels like relief. Neither tells you how many years, or how many pounds or dollars, the choice really costs.
That gap is information, not intelligence. So I built free calculators that show the arithmetic, and guides that explain each rule in plain English.
My background
I trained in accounting and finance, and my work has been in finance roles inside distribution businesses, plus a tax internship at a chartered accountancy firm. I run DebtShift through H Ali Logistics Ltd, a UK company.
That background is why I’m careful with figures. It is not a licence to give personal advice, and I don’t pretend it is.
What DebtShift is, and isn’t
- It is an educational publisher with 17 free calculators and a library of guides on debt, credit and financial resilience, for readers in the UK and the US.
- It is not a debt advice firm, a lender or a financial adviser. DebtShift is not regulated by the Financial Conduct Authority (FCA).
- It never asks you to pay for help. If a page here ever points you to a paid service, treat that as a mistake and tell me.
How every page is checked
Rates, thresholds, legal time limits and tax rules are checked against primary sources before they go live. For the UK that means GOV.UK, the FCA and StepChange. For the US it means IRS.gov, the Consumer Financial Protection Bureau (CFPB) and the National Foundation for Credit Counseling (NFCC). Sources are named in the post, so you can check them yourself.
I use AI tools to help draft and test content. I review every post and run every calculator’s maths myself before publishing, and I would rather delay a page than publish a number I haven’t checked. Our Editorial Policy explains the process in full. When a rule changes, the page is updated and the “Last reviewed” date changes with it.
Found something wrong? Use the contact page and I’ll check it. I read every message myself.
Start here
You can check my background on LinkedIn.
If you need help now
Free, independent debt advice is available, and you never need to pay for it.
UK: StepChange, National Debtline and Citizens Advice.
DebtShift provides general information for educational purposes only. It is not regulated financial, legal or tax advice, and it does not replace advice that considers your own situation. UK readers can get free advice from StepChange. US readers can contact the NFCC.