Being clear about the money you have coming in, and going out, is the first step towards taking control. We know the reality is that, even with a clear budget, many people simply don’t have enough money to live on.
Go to an Advice Centre. Take paperwork like bills, pay slips, letters chasing payments and bank statements. An Adviser can look at your paperwork and help you to put a plan in place.
Budgeting Advance - You might be able to get a loan as part of your Universal Credit if you need to cover a specific expense - this is called a 'budgeting advance'. Find more information on the citizens advice website.
Use a budgeting tool - See the section below for free Budgeting Tool links to put you in control of your household spending.