Debt and money advice
Our debt advice services can help people who are struggling with debt to gain long-term financial stability.
Many people have debt, but when it becomes a problem, we can provide support and advice to help you take control.
The sooner that you speak to someone about your debt or money problems, the easier they could be to solve. We work in partnership with Payplan, The Money Advice Service and StepChange to provide support, advice and tools to help you manage your money.
If you feel that your debt is already a problem, our partners Payplan can help you with a practical debt management solution.
There are a few steps that you can take to assess you personal situation before you seek professional advice.
Setting a budget
This can seem like a daunting task, but setting a budget can help you to understand the money that you need to cover essential bills, as well as helping you to set short and long term saving goals, from saving for a holiday to understanding how much you can pay off your debts each month.
Why not use a free budget planner, The Money Advice Service budget planner is easy to use and can be saved at anytime, so you don't need to do it all in one go.
A budget can also help you keep track of where you are overspending, take-aways, lunches and subscriptions can all add up.
Debt check
If you are worried that you may need help with your finances, the 60 second debt checker from StepChange can tell you if you need further debt advice.
Check your benefits
You may not be receiving all of the benefits that are available to you, TURN2US is a national charity that work to help people get the financial support they are entitled to. The benefits calculator tells you which means-tested benefits you may be entitled to.
Grants
We may be able to help you with a one off grant in certain circumstances. We do not usually pay off debts, however, if due to debt you are living without essential household items or need provisions for your family, we may be able to help.