Understand your situation
List your income, regular expenses, debts and repayments. You do not need to solve everything at once—getting a clear picture is a valuable first step.
Financial wellbeing
Feel more confident with money
Calm, straightforward guidance to help you understand your situation, take useful next steps and find trusted support when you need it.
Start With Five Simple Steps
Struggling with money?
Five simple steps to regain control
Money worries can feel overwhelming. Small, manageable actions can make your situation feel clearer and help you move forward.
Focus on essentials first
Prioritise housing, utilities, food and essential travel before looking at other spending.
Take small, realistic steps
A simple weekly budget, one reduced expense or even a small savings contribution can create useful momentum.
Ask for support
Speak to someone you trust or contact a free, confidential advice organisation. You do not have to manage financial pressure alone.
Choose safer options
If you need to borrow, compare responsible alternatives carefully and avoid high-cost credit that could make things harder.
Trusted, independent support
These organisations offer free information and support with money, debt, wellbeing and safer financial decisions.
Money made simple
Common terms, explained clearly
- Budget
- A plan showing how much money you have coming in and how much is going out.
- Affordability check
- A review of whether loan repayments are manageable based on your income and regular expenses.
- Credit score
- A number used by credit reference agencies to indicate how credit has been managed in the past.
- APR
- The overall yearly cost of borrowing, shown as a percentage to help compare loans.
- Emergency fund
- Money set aside to help cover unexpected costs such as repairs or household bills.
- Financial wellbeing
- Feeling in control of your money and confident about managing your finances.
Struggling to pay?
We are here to help
If you are finding it difficult to keep up with a loan repayment, contact us as soon as possible. We will listen and discuss options that may help.