Help Managing Your Money

More and more people are finding it hard to keep their heads above water in these difficult times. The credit crunch has taken it's toll on many UK households. Along with rising fuel prices and the ever increasing cost of living, more and more people are finding that it is getting harder and harder to get by on their current income. With pay freezes everywhere and threats of unemployment ever present, many consumers are beginning to regret the levels of debt that they acquired back when times were good.

Not all people get into debt through their own fault. It is not always a case of being reckless or even careless with money, but more as a result of a drastic change in circumstance. Unemployment, divorce or seperation, being unable to work through accident or illness and other major life changing factors can seriously impact on an individuals ability to keep on top of their fanances. Most people try to carry on as long as possible, possibly hoping that the problem goes away, but the inevitable usually happens and that is when most people turn for help.

The purpose of this page is to help you find all the free help and advice you might need to help you deal with your current situation without having to pay any fees to a debt management company.

Anyone that is struggling to maintain regular payments to their creditors should read The Insolvency Service booklet 'In Debt' which details your options. Alternatively, check out some of the other useful resources below.

Free sources of advice

• CAB Citizens Advice Bureau
  you can find your local CAB branch listed in your telephone directory or visit their website by clicking the link above. They offer free help and advice regarding all things financial.
• CCCS Consumer Credit Counselling Service
  the Consumer Credit Counselling Service is a registered charity and they offer free anonymous debt help and advice to anybody who has concerns regarding debt problems. You can call them for free between the hours of 8am and 8pm Mon-Fri on 0800 138 1111 or visit their website by clicking the link above. Alternatively you could go straight to their free debt tool.
• www.nationaldebtline.co.uk National Debtline
  offers free confidential and independent advice on how to deal with debt problems. You can call them for free on 0808 808 4000 between 9am and 9pm Mon-Fri and 9.30am and 1pm on Saturday. You could also visit their website by clicking the link above or go straight to My Money Steps their free budget planner debt advice tool. National Debtline is also able to offer debt advice to people living in Scotland, as well as England and Wales..

Professional Advice

Alternatively, if you feel that you would prefer to have a professional debt advisor review your situation and deal with the problem on your behalf go to our secure debt help form. Please not that using the services of a professional debt advisor will incur a fee.