The festive season can be costly, often leaving many people facing financial challenges in January and beyond. If you are feeling the pressures there are some practical steps you can take.
- Don’t panic.
- Make a list of your income and expenditure to give a good indication of what your available income will be at the end of the month.
- When you have made a budget, do what you can to stick to this.
You may find our budgeting tool helpful, click here.
Prioritise your most important bills
Always pay your priority expenses first. These are the payments that, if missed, could have serious consequences:
- Rent or mortgage
- Council tax
- Utilities (gas, electricity, water)
- Food
- Fines
Missing these can lead to eviction, loss of essential services, or legal action. If you’re struggling to pay any of these, seek help as soon as possible.
If you’ve fallen behind on priority bills or have other debts (like loans or credit cards), don’t wait, contact us for support. Our team can help you find a solution that fits your situation. If you’re facing urgent issues such as:
- Bailiff action
- Court claims
- Eviction
- Inability to top up your prepayment meter
- No money for food
For how to get in contact with us, click here.