especially early in the New Year as everyone picks up the pieces after Christmas, can be a crippling problem. Borrowing more money, trying to use one loan to pay off another, often only makes things worse. Where can you turn for help?
This is where an organisation like Credit Action
comes in. Credit Action is a national money education charity committed to helping people manage their money better.
If you'd like to talk to a helpline counsellor, call 0800 138 1111. It's a genuinely free service operated by the Consumer Credit Counselling Service which offers independent, practical, sensitive and confidential advice on how to manage your money and deal with debt. Lines are open Monday to Friday, 8am to 8pm.
A range of specally written self-help booklets
are also available. They're easy to understand, jargon-free and straight to the point, aimed at helping you to manage your money well, to help you avoid running up uncontrollable debt.
What are you waiting for?
It's free. It's confidential. And the people at the other end of the phone are real people, fully trained to assess your situation. They do not sell products or give investment advice and won't put you under more pressure. And if a debt management plan is offered, it won't cost you anything.
Freephone 0800 138 1111
Your Money and Your Life
is a book by Keith Tondeur, the National Director of Credit Action. It examines the Bible's teaching about money and shows that applying Christian principles to our finances can help set us free from financial worries.
A range of other resources — including audio cassettes, a video and a Bible study course — are available to accompany the book,