Not sure if you need help? Here are some signs that may mean you need some help and advice managing your debts:

1. Don’t know how much you owe?

Not knowing how much you owe could mean that you’re shying away from your finances. It could be that you don’t want to know, but without facing your money worries, you won’t be able to regain control.

2. Putting off the post

Many feel like they need to ignore the bills and letters that drop through the door. Demands and chase letters can be overwhelming, but there is advice available to help put your mind at rest.

3. Over-reliance on credit cards

Whilst many of us use credit cards from time to time, if you find you need them to pay for everyday essentials like food or utility bills, it could mean that you’re overstretched financially.

4. It’s affecting your personal life

If you find yourself worrying about your finances, or the stress is affecting your work, health and relationships, coping with the every day strains can feel ultimately more difficult.

You should be considering a third party such as StepChange and Citizen Advice Bureau.