How to beat your money worries

Talk to someone

Suffering alone adds to the pressure. Share the situation with friends or family if you can. Even if they can’t help, just talking to someone could help you see the problem with a clearer focus. You can also get free and independent money advice from hundreds of debt charities and organisation across the country. Find free and impartial money advice near you

Know exactly what the situation is

If you’ve lost track of your spending, it’s even harder to find a way out. Though it could be scary to see the true extent of your problems, a simple budget will clearly show you how much you spend and where. There could be some simple ‘quick wins’, where you can instantly find places to save or cut back.

Take it one at a time

If there are so many bills you feel overwhelmed by what to do next, stop. Take one concern at a time. You don’t need to solve it, but you might be able to make it less of a worry. Then move on to the next, and so on until you feel able to look at the bigger picture. Focus first on the priority expenses such as rent, Council Tax and energy.

What are priority debts

Make some simple changes

Though some of your money worries might be big, you might ease the pressure with some small and simple changes. You could free up extra cash by switching your energy company or changing to a discount supermarket. You might be able to raise some money by selling things on eBay or at boot fairs.