Introduction

There are simple and practical steps you can take to help manage your finances effectively

There are many reasons why people can find themselves with financial worries but there are simple and practical steps you can take to help manage your finances effectively.

There are also a number of organisations and agencies that are able to give further advice and assistance if required.

The information here offers guidance both on how to stop yourself getting into debt and also on what to do if you should find yourself in financial difficulty.