Avoiding over-commitment

Managing your money and using credit without getting too deeply into debt

Budgeting

How to work out a budget to make sure that your income is more than the amount of money you spend

Dealing with debt problems

How to deal with debt problems by establishing priorities, setting a personal budget, talking to creditors and getting impartial and independent advice

Which debts to pay off first

Information on prioritising debts and what might happen if you ignore your debts

Ways out of debt

How to get out of debt by increasing your income, reducing your spending and coming to arrangements with creditors

Consolidating debts

Consolidation loans - what they are, when they're useful and the pros and cons of getting one