Every year, at about this time , people approach us for help with their debts. In fact, 31st January is usually the busiest day, nationally, for debt enquiries.
There are many reasons for this – obviously the cost of Christmas is a trigger, but often this is compounded by energy costs, rising prices generally, high housing costs and the fact that, for most of us, wages are not rising in line with inflation.
Sounds familiar? If so, why not check out what help is available to get to grips with managing your money better? We can help you to set out a budget so that your income and outgoings are well balanced and you don’t overspend regularly. We can also help you to do a financial statement as a basis for discussing things with the people to whom you owe money (your creditors). This is often really hard to do as setting out on a sheet of paper exactly what you owe can be scary and upsetting. Our team are used to working with people in great distress about their finances and you will find them non judgemental, practical, patient and helpful.
Also, our neighbouring local Citizens Advice run free specialist debt casework sessions in our office – so if you qualify for that help you will find an expert on your side, for no charge.
If you don’t feel able yet to talk about the problem, you might find some help online using the Citizens Advice materials on our public site. Here is the link: Citizens Advice help on debts.
Whatever you do, don’t ignore problems until they are enormous- there is always something that can be done, and the earlier you seek help the better the outcome for you
Good luck and we look forward to hearing from you soon…