Help & Advice - Debt & Finance
The national Citizens Advice website contains up to date information about a range of money management issues. To access the site, click here.
From clothes to car seats, the cost of a new baby add up quickly. The Money Advice Service's baby costs calculator will tell you what you'll need to cover your baby's essentials.
Get your money in order with the Money Advice Services' budget planner. it's much easier than you think. If you are moving to Universal Credit, our budget planner will help you track you budget and help you plan your money.
How much does your car really cost you each year? What should you consider before buying a car? Petrol, tax, insurance and repairs all add up. Use the Money Advice Trust's cost calculator to find out.
If you are worried about your debt, The Money Advice Services' debt test tool will help you find out more about your level of debt and help you get back on track.
There are various options available to you – see the housing section for further details.
Citizens Advice has produced some useful information on bailiffs, available on their website here
Further information on creditors and how they are allowed to contact you is available on the Citizens Advice website.
Thinking of buying a new home or changing your mortgage provider? The Money Advice Service can help you calculate your monthly mortgage payment. How would interest rate rises affect your
Want to discover what your retirement income will be. The Money Advice Services' pensions calculator includes income from benefits, your state pension and other contribution schemes.
Debt Relief Orders (DROs) are orders issued by the Official Receiver which enable people to write off certain debts. To help decide if a debt relief order is appropriate for you, see the Citizens Advice website for a full guide to debt relief orders: Debt relief orders
An Individual Voluntary Arrangement (IVA) is a legally-binding agreement between an individual and his/her creditors concerning the repayment of debts. Individual voluntary arrangements can prevent creditors from taking enforcement action and often lead to debts being partially written off, although there are certain risks to consider. Further information about individual voluntary arrangements is available on the Citizens Advice website, including a checklist to help decide if an IVA is right for you