Debt advice

Falling into debt doesn’t necessarily mean you’re careless with cash. Debt can often arise from unforeseen circumstances, such as illness, redundancy, separation or sudden life-changing events.

A small debt can quickly increase with accumulated charges and interest. Before you even recognise the problem, what started out as manageable arrears can swiftly spiral out of control. Do not ignore mounting debt. If you are worried about unpaid bills and looming repayments seek debt advice as soon as possible. Finding solutions for debt can be very straightforward and there is help at hand.

Debt solutions

Debt can be a sensitive issue, but don’t feel ashamed of your situation. The worst thing you can do is ignore the problem and hope it goes away. Take time to carefully examine your finances and weigh up what’s coming in with what’s going out.


The Citizens Advice Bureau provides free confidential support for anyone seeking solutions for debt. For independent debt advice arrange a consultation as soon as you can.

Managing your debt

Effective solutions for debt include putting together a management plan. Evaluate your wages and any benefits or pensions against your outgoings, such as household bills, mortgage or rent payments. Reduce your regular repayments to a more manageable level. The longer you take to repay a debt the more the total amount to be repaid will increase through added interest, thus affecting your credit rating. Consider taking out an aqua credit card which, used responsibly by making payments on time and staying within your credit limit, could help improve your credit rating in as little as six months.

Tackle debt early and seek debt advice if you’re in doubt. This will not only help you regain control of your finances, but it will also boost your confidence. Remember that if you have money worries you’re not alone. There are numerous solutions for debt so ensure you seek debt advice and investigate all of your options.