Managing debt

Help is available for those struggling with debt or worrying about going into debt.

The DirectGov website provides guidance on:

• budgeting
  
• prioritising expenses
  
• consolidating debt
  
• ways out of debt
  
• dealing with debt

Further useful advice is available from:

• National Debtline, offering confidential and independent advice on how to deal with debt, call 0808 808 4000
• Consumer Credit Counselling Service, offering advice to people with debt problems, call 0800 138 1111
• Citizen's Advice Bureau, offering free information and advice on money and legal issues
• Talk About Debt, free to use and provides access to confidential debt charity help lines which offer practical advice
• The Money Advice Service health check provides a free, quick and easy plan for you to start managing your money more effectively.
  

Finding a financial advisor

Sometimes it can be helpful to get a professional's opinion on what it's best to do about your financial situation.

• Unbiased's adviser search
• MyLocalAdviser search
• Personal Finance Society search