Sometimes the money going out can be more than the money coming in.
If this happens on a regular basis, things can get difficult, but it’s not impossible to sort out.
If you ever feel like things are starting to get out of hand, it’s always best to tackle the problem right away rather than wait and hope things go back to normal.
Try asking yourself these quick questions:
If you’ve answered yes to some of these questions, let us know. We may be able to help.
If you’re still unsure whether you need help with your finances, you can take the StepChange 60 second debt test. StepChange are an impartial debt help charity and can offer you advice and support.
We have a dedicated team that can provide tailored help and advice to improve your financial situation. We listen, we care for our customers and we want to help.
We ask that you get some of your information together beforehand so that we can provide you with the help you need.
If you’re experiencing any kind of financial hardship, we want you to call us as soon as you’re able to.
You will need to have information about your net income and outgoings such as bills, rent and all other expenditures.
If you are unsure about contacting us first, you can speak to an independent money advice organisation before you call us.
To help you get to grips with your finances you’ll need a clear record of what’s going into and out of your account. This will let you prioritise the most important expenses, and show you where you can save.
Most banks or charities will ask for this information so that they can develop a more personalised plan.
Get a clear picture:
So you get a clear picture of what’s coming and going out every month, take a look at your online banking or check your finances using our mobile app.
It’s a good idea to keep a spending diary for a month, it’ll show you where savings can be made.
Please remember, you can call us at any time to discuss your finances.
Benefits and Universal Credit provide those on low income with extra support.
You can use the Turn2Us website to check whether you are eligible for benefits or Universal Credit.
We are partnered with Citizens Advice who can provide in-depth, impartial guidance on money issues.
StepChange are a debt charity who offer free debt advice. You can use their online tools to get tailored help and support.
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