The Salvation Army & Citizens Advice can help you with managing your debts and give you budgeting advice.

Dealing with money issues can sometimes be off-putting, but if you don't understand how things like credit or mortgages work, you could end up losing out financially or getting yourself deep in debt. The following pages will give you the information you need to make the right choices, including help to deal with your debt problems, how to avoid losing your home and how to get your finances back into shape.

We help people get a handle on what they owe and work alongside them to make a realistic plan for repaying their debts. Our free debt advice service can contact creditors on a person’s behalf to explore and negotiate options like repayment holidays and more realistic repayment plans. Our debt advice centres support people with debt ranging from a few thousand pounds to many tens of thousands of pounds.