Many people experience money problems at some stage of their lives.

There can be many reasons for this such as the breakdown of a relationship or long term illness. Sometimes people simply spend too much then find it hard to manage when an unexpected expense crops up.

Please don't be tempted to ignore the problem and hope it just goes away - it won't!  The sooner you start to take steps to sort things out, the easier it is to remove the pressures of being in debt.

In this section, you’ll learn how to spot the tell-tale signs that things might be starting to get out hand, how to budget and plan for the future, as well as what to do if you get into financial difficulties.

Understanding credit

Read our guides about credit from understanding how to build your credit score to balance transfers.

Browse our credit guides