Money guides: debt, credit and budgeting

These guides explain common money topics, including debt, credit, support with living costs and budgeting for food. Your options depend on your circumstances; financial difficulty is not simply a matter of changing your attitude.

Use the guides to understand the issues and questions to ask. MoneyNerd provides general information, not personal debt advice. If repayments are unaffordable, a free debt adviser can help assess suitable options. Check any court, creditor or enforcement deadline promptly.