Debt advice

When you first start earning money, it is very easy to lose track of what you are spending and end up in debt. If this happens, don't ignore it! Debt can be easily managed if you understand the problem, but if you let it continue, it can quickly spiral out of control.

How to avoid debt

  • Create a weekly budget of your bills, food and supplies and make sure you can afford this. Anything left can be spent or saved.
  • Don’t take out a short-term loan. Although it may help you out in the short-term, you could end up paying back a lot more than you borrowed in the first place.
  • Check what you're entitled to. You might be able to claim some financial support such as tax credits or benefits.
  • Make sure you're managing you bank account. You need to make sure that any payments like rent and credit card bills have been covered before you start spending more.

Who can I talk to?

Food banks

Food banks can give food parcels to help people when they do not have enough money to buy food.