Budgeting and debt advice

Your wellbeing is our top priority, and we know that our finances can have a huge impact on our mental wellbeing. To help you feel confident in handling your finances, getting debt support and having a budget is a great way to help you feel in control and empowered.

Debt support

If you find that you’re struggling with debt, there are charities available who can help you get the support you need:

If you are in rent arrears and you’re at risk of losing your home, our tenancy support team will do everything they can to help you and keep you in your home. From payment plans to debt advice, complete the form below and our friendly team will be in touch to support you.

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    Budget advice

    Having a budget can help you see a clear picture of where you may need extra support or how you can cut back and save money. Here’s what you need to get started:

    1. Work out how much money you receive each month by adding up all of your income including your wages and benefits.
    2. Make a list of everything you spend – include everything from your most important bills such as you rent and utilities and then what you spend on your living costs that includes things like food and toiletries.
    3. Work out whether you have money left over or if you need further money support. You can do this taking your total income amount and taking away how much money you spend. This will give you an understanding on whether you need debt advice or whether there is extra money available.

    You can also click on the buttons below to use free resources to help create your budget, and it will work everything out for you. You will just need to know steps 1 and 2 above.

    Step Change’s how to make a budget tutorial is another really helpful guide: