You can start this process by reading the information on our debt advice page 'the debt toolkit' and filling in the 'personal budget sheet' and also by visiting 'Get advice now' and download a copy of the latest government advice booklet.

  1. Consider how you might be able to reduce your monthly spending – be honest with yourself about the things you can really live without 
  2. Work out a realistic budget and make every effort to try and keep to it
  3. Consider negotiating with your creditors to reduce your monthly payments. For example; utility bills and credit cards