There is loads of free help out there for us if we are struggling with debt. First check out our website page which includes tips for getting back on track and who to contact for advice and help.

A good place to start is to call the National Debtline or charity StepChange. The government also has a scheme to help people in debt – it’s called Breathing Space. For details and how to apply, read our article here.

Top Tip: No matter how bad things seem, do not be tempted to borrow money from an unlicensed lender, even if it is someone you know.