Struggling financially

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When to ask for help

If you’re struggling to pay your bills and make ends meet then you should get help quickly. Tackle your money problems before they get out of control. If you can identify with any of these warning signs, don’t put it off – it’s time to ask for help.

You're regularly spending more than you earn
You're struggling to pay your mortgage or rent, utility bills or minimum payments on your loans or credit cards

Several of your cards are all maxed out

You can't manage day-to-day without relying on your credit card

You're being contacted about unpaid bills and missed payments

You're worried about paying back what you owe and your debts feel like a huge burden

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Where else to get support

There are lots of organisations that offer free, confidential advice to help you get back on track, including the Money Advice Service and Citizens Advice. You can also get advice tailored to your situation from the StepChange Debt Charity using their free online tool. You don’t have to enter your name and it only takes about 20 minutes. Be wary of using any companies that charge fees for help. If you do, it may take you longer to pay off your debts. 

Things to think about

It’s worth getting together some information before you call anyone to talk about your situation. Most organisations will ask about your income, your household expenses, how much you owe and who you owe it to. If you decide to get further support from a debt charity or organisation, you might need to also provide:

- salary slips
- evidence of tax credits or benefits
- utility bills
- mortgage statements/ rent details
- evidence of other household expenditure
- copies of any credit agreements you have
- bank statements
- more details about each of your debts

Useful links

Free tailored advice and practical solutions
StepChange Debt Charity

Free confidential advice
National Debtline

Free impartial advice on managing your money
Money Advice Service

General independent and free advice
Citizens Advice

Free housing advice

We're here to help

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