I am in debt

It is not at all uncommon for carers to struggle financially and to find themselves in debt. This may be because of a variety of factors, such as a carer having to reduce their hours at work as their caring role increases, or experiencing the extra financial burden that some health conditions can carry. We understand how worrying getting into debt can be and how you can feel overwhelmed and stressed by it all.

You do not have to try and cope with these worries alone; there is lots of free confidential advice available to you.

A number of websites provide information about debt problems:

Citizens Advice Logo

Citizens Advice

Has a section on debt and a tool which helps work out which are priority debts and steps that you can take yourself.

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Money Advice Service

Money Advice Service website is all about money matters.

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National Debtline

National Debtline  is a telephone and internet-based advice from a national charity.

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Debt Advice Foundation

The Debt Advice Foundation Website contains good advice and their helpline is 0800 043 40 50.

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Carers UK

Carers UK  Also have a very useful section on debt.

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The Trussell Trust

Anyone can reach crisis point and food banks are available to help at anytime.

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Wiser Money

Wiser Money offer free, confidential and impartial money and debt advice.

Step Change

Stepchange is a charity providing a comprehensive debt advice service. They help thousands of people become debt free every year. Their team of experts offer free, flexible debt advice to anyone who needs it.

Help for service men and women

There are two organisations that can help with advice and practical assistance for people (and their families) who are currently serving or have served in the armed forces:

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The Armed Forces Charity

SSAFA Provide debt advice, can help with grants and offer other practical and emotional support.

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Royal British Legion

Royal British Legion Provide support on managing debt – all completely confidentially and free of charge.

Assistance With Paying Utility Bills

Caring for someone at home often means an increase in utilities use. If you are on certain types of benefits, utility companies can offer discounts and advice to assist you if you are struggling to pay for your bills (some are means tested or are dependent upon which benefit you are in receipt of).

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Centre For Sustainable Energy

Centre For Sustainable Energy offer advice and information about insulation, heating your home, and understanding your energy bills.

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Local Energy Advice Partnership

Local Energy Advice Partnership is a free service that provides energy advice to help people keep warm and reduce their energy bills.

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UKPower offer advice on cheaper energy for disabled and vulnerable customers. This website is in partnership with uSwitch price comparison site.

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South West Water

South West Water offer a WaterCare tariff which is designed to help you if you are on a very low income.