If you’re concerned and want more help with managing your money, there are many free independent entities that can help.


StepChange www.stepchange.org 0800 138 1111. Free advice on debt problems.

Money Advice Service www.moneyadviceservice.org.uk 0300 500 5000. Offers free and independent advice to people who need to manage their money more effectively. Face to face sessions available.

National Debtline www.nationaldebtline.org 0800 138 1111. Free, confidential debt advice service.