Self help

If you do not want to talk to someone, but prefer to sort things out yourself, there are a number of tools to help you. The most useful are records of your income and expenditure. Here we offer links to the most commonly used ones :-

Government & Financial Services Authority (FSA) :-

• Debt Test
• Financial Health Check
• Budget Calculator
• Money Made Clear brochures
• Direct Gov.UK

Nationwide & Trade Associations :-

• Common Financial Statement (CFS)
• Dealing with Debt (BBA)
• Money Advice (FLA)
• Statement of Means (Nationwide)

Independent money advice/counselling organisations :-

• A self-help guide to dealing with personal debt (Credit Action)
• Debt Calculator (Payplan)