Struggling financially

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When to ask for help

We understand that sometimes people struggle financially. Bills pile up and it’s difficult to make ends meet.  It feels scary and you’re tempted to ignore the situation, hoping things will improve. If you can identify with any of these warning signs don’t delay – it’s time to ask for help:

You're worried about money and paying back what you owe - your debts feel like a huge burden

You're dealing with difficult circumstances which are making it difficult for you to manage your money

You're regularly spending more than you earn

You're struggling to pay your mortgage or rent; your utility bills or minimum payments on your credit cards

You can't manage your day to day spending without relying on your credit card

Several of your cards are maxed out

You're being contacted about unpaid bills and missed payments

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Where else to get support

Contact a non-profit debt-counselling organisation for support and advice, these include Money Advice Service and Citizens Advice. You can also get advice tailored to your situation from the StepChange Debt Charity using their free online tool. You don’t have to enter your name and it only takes about 20 minutes. These organisations offer free, confidential help so there's no need to pay a debt management company to advise you.

Things to think about

It’s worth getting together some information before you call anyone to talk about your situation. Most organisations will ask about your income, your household expenses, how much you owe and who you owe it to. If you decide to get further support from a debt charity or organisation, you might need to also provide:

- salary slips
- evidence of tax credits or benefits
- utility bills
- mortgage statements/ rent details
- evidence of other household expenditure
- copies of any credit agreements you have
- bank statements
- more details about each of your debts

Useful links

Free tailored advice and practical solutions
StepChange Debt Charity

Free confidential advice
National Debtline

Free impartial advice on managing your money
Money Advice Service

General independent and free advice
Citizens Advice

Free housing advice

We're here to help

Get in touch

NatWest customer?

Get in touch

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