Often, money becomes tight and debts can start to build up.

Don't hesitate to seek help if this is happening to you. It can be difficult to admit you are having money problems, especially if you have always managed your money well in the past. However, sympathetic help and advice is available – and the sooner you start to tackle the problem, the sooner you will feel in control again.

Find out more about:

For further advice and step-by-step guides to different circumstances, visit the Money Advice Service website.

Help with debt
If you are in debt, it is best to get some advice straight away, for example, from your local Citizens Advice bureau. You can find your nearest bureau by visiting the Citizens Advice website.

For free information and advice about debt, ring National Debtline on 0808 808 4000 or visit the National Debtline website.

Alternatively, visit the Consumer Credit Counselling Service website.

For advice around all aspects of managing debt, visit the Directgov website.