Skip to main content Accessibility Statement

Debt test

Select the item below that you're struggling to pay for:

If you are struggling to buy clothes or things for the home, here's what you can do:

  1. Try to hang on until your next payday to buy the item. Taking out a high interest loan means you’ll end up paying a lot more for it. And if you can’t pay the loan back on time you’ll pay extra interest and late payment charges.

  2. Consider buying it second-hand or getting it free from a recycling website like freecycle (external link).

  3. Try contacting your local council (external link) if it’s an emergency and you are on income-based benefits. For example if your boiler's packed up in winter, you can’t afford food, or you’ve come out of care, hospital or prison and need help to stay in your own home. You may be given furniture, clothing, white goods, food grants or money. People on the lowest incomes usually have priority.

  4. Use our Budget planner to find out exactly where your money’s going each month.

Web chat

Sorry, web chat is only available on internet browsers with JavaScript.

Sorry, web chat is currently offline, our opening hours are

Open:

  • Monday to Friday, 8am to 6pm
  • Saturday, 8am to 3pm
  • Sunday and Bank Holidays, closed
Offline

WhatsApp Logo WhatsApp

  • Need help sorting out your debts, have credit questions or want pensions guidance?
  • Add +44 7701 342744 to your Whatsapp and send us a message.
  • For everything else please contact us via Webchat or Telephone.

Unavailable

Call us

Give us a call for free and impartial money advice.

0800 138 7777

Open:

  • Typetalk: 18001 0800 915 4622
  • Monday to Friday, 8am to 6pm
  • Saturday, Sunday and Bank Holidays, closed