This factsheet provides a guide to managing your finances and strategies for dealing with debt.
There are lots of reasons why you may find yourself in debt or struggling with money. Often it is due to reasons beyond your control, such as unexpected events, a drop in income or separating from a partner. Managing on one income can be difficult and you may feel swamped or anxious.
This guide will help you take control of your situation. It will cover budgeting and how to manage household bills, and will also support you to identify strategies for dealing with debts and give you tips for negotiating with creditors.
There are many places where you can get free help and advice to sort out your money worries. To find free, confidential and independent debt advice, see the list of useful organisations on page eight. A trained debt adviser can help to make sense of your finances and identify options to help you manage your debts.