I’ve built up a bit of debt and I am panicking. Even though I cut back, Christmas was expensive and January long. My rent has also gone up and my paycheque just doesn’t stretch as far as it used to. I’m doing everything I can but it’s not enough – what can I do? Sam, Chesham  

First of all it’s important to know you’re not alone in finding things difficult and, crucially, there’s support available. You say you’ve built up a bit of debt. The first step is to collect all the information you have about your debts, this might include contracts, bills and statements. Next, make a list of your debts and write down the details of each. This could include whom you owe the money to (this person/company is your ‘creditor’); when you first missed a payment; and how much you now owe. You’ll also need to make a note of your account or reference number and what steps the creditor has taken to get the money back, eg. sending you letters.  

It might feel overwhelming when you see all of your debts written down – but try not to worry, the important thing is that you’re sorting them out. If you’re behind on household bills, prioritise paying your rent or mortgage, plus energy bills and Council Tax first.


Not paying these bills has the most serious consequences. You should speak to the person or company you owe money to, to see if there are any manageable steps you can take to start reducing your debt. 

Once you’ve got these debts under control, you should look at any other debts like credit card or store card debts, payday loans or missed Buy Now Pay Later payments. While you’re looking at the money going out, do remember to consider money that could be coming in. It’s always worth checking if there are any benefits that you’re eligible for, including support with your energy costs and living costs.  

You can watch our videos on managing debt on our Citizens Advice Bucks YouTube and there’s a benefits calculator on our website. You could also join our FREE Money Matters course where you can find out more about how to reduce living costs and other ways to increase your income. 

There’s also emergency support that you may be able to access, such as a food bank or fuel vouchers. If you need this please call our dedicated food crisis number on 0808 175 7123 or/and have a look at our food crisis page.  We know that times are incredibly tough but please remember, you don’t have to face this alone, do contact us so we can help you find a way forward. 

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