Where to start if you're in debt
One of the best places to start is by looking at your income and outgoings. Our budgeting tool can help you to do that and it will give you tips on managing your money if your outgoings are bigger than your income.
Going to a money lender can seem like an easier option but you will end up paying more as they usually charge huge amounts of interest. If you are thinking about going to a money lender, please ask one of these organisations for help instead.
Where to get help
If you’re not managing to live on your budget and you have already got into debt, the most important thing you can do is ask for help. Unmanaged debt only leads to more problems and the worst thing to do is ignore it.
Money Helper is a government-approved consumer-facing service, providing free and impartial money and pensions guidance for people all across the UK.
Money Advice Hub is a service commissioned by the borough council to help people with income maximisation and debt.
Step Change and the Debt Advice Foundation are debt charities that will help you to deal with your debt problems and take control of your finances.
Christians Against Poverty has a range of services, including money advice, through local churches. The website will help you find your nearest service.
Credit Unions offer ethical loans and savings schemes at affordable rates. There are three in Norfolk, find our more at www.findyourcreditunion.co.uk.