With inflation, energy, food and fuel prices soaring, the MoneyHelper guidance offers free trusted advice. The government's Help for Households is packed with support about, income support, childcare costs, household costs, transport costs, finding work and discounts and offers from businesses.
If you are struggling or worried about your finances, please do not worry, there is help, support and guidance for you. Please don't ignore your worries and consider contacting these local organisations:
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Talking to your creditor
If you’re struggling to pay your bills, please contact your provider to find out what support is available.
Having early conversations with housing companies, mortgage lenders, utilities for example is the best first step to resolve your money and avoid falling into problem debt.
Many of these organisations have payment plans and support packages in place to help. Asking for help may be the last thing you want to do, but there are benefits if you are struggling, such as:
- It stops things getting worse.
- Your creditor must help you.
- Avoid borrowing money to pay them.
- Get access to charitable grants.
- Save money with better tariffs.
If you have several firms you owe money to that you’re unable to pay back, focus on priority payments first like your rent or mortgage, council tax, gas and electricity bills.