If you’re worried about your finances, there is help available. Remember, the sooner you take control, the better – don’t ignore the problem!
The agencies below can offer free help and advice about avoiding debt, and what to do if you have debts.
This is a free online service to check the benefits that you may be entitled to.
Click here then follow the onscreen instructions.
Citizens Advice Bureau (CAB)
CAB offers free, confidential advice either face-to-face or by telephone. They may also offer home visits and some give email advice.
Visit www.citizensadvice.org.uk to find your local bureau.
This is a free, confidential service that gives independent advice about coping with debt.
You can find information online or by calling the helpline on 0808 808 4000 (9am to 9pm Mon-Fri, 9.30am to 1pm Sat).
StepChange Debt Charity
StepChange Debt Charity offer free advice via their online service, StepChange Debt Remedy.
You can also call the helpline free on 0800 138 1111 (8am to 8pm, Monday to Friday).
Community Legal Advice offers free information about legal problems and can put you in touch with local advisers.
You can call the helpline on 0845 345 4345 (9.00 am to 5.00 pm, Monday to Friday). Visit www.direct.gov.uk for further information.
Turn2us helps people in financial need gain access to welfare benefits, charitable grants and other financial help
You can find information online at www.turn2us.org.uk or by calling the helpline on 0808 802 2000 (8am to 8pm, Monday to Friday).
This is a free online resource that gathers together lots of guides on subjects including benefits and tax credits, finding work and accessing education, bank accounts and insurance, managing debt and knowing your rights.
The Money Advice Service is a free impartial service which has been set up by the government to help everyone in the UK make the most of their money.
This is a really useful resource whether you are about to embark on a big life event, such as getting married or having a child or if you just need some advice on how to manage your day to day budget. There is also an online Money Health Check which will give you a personalised action plan to help you sort out your finances and plan for the future.
Sound as a Pound
Sound as a Pound is a financial confidence programme for new and existing social housing tenants, of any age who live in Nottingham. The aim of the scheme is to increase financial awareness and confidence in young people, which will help them to manage every aspect of their lives.
The Consumer Affairs website is an excellent resource of information and advice on managing your finances generally and has some great tools and calculators to help keep you informed and make the right decisions.