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Life changes. Coping with financial shocks to your life.

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A significant change in your situation is one of the most common causes of financial problems.

Often changes in your life happen quickly and through no fault of your own. Whether you’ve lost your job, suffered from ill health or you’ve separated from your partner, changes like this can mean that you struggle to pay your household bills and debts. If this happens it's important to get debt advice as soon as possible.

Having to adjust to such a financial change can be difficult, even if it’s only going to be for the short term.

This section will provide you with help and practical advice to help improve your situation based on the most common types of life changes we come across.

As the nation's leading debt charity we've been giving free, impartial and tailored debt advice for almost 20 years. If you’ve got a specific question that you can’t find an answer to, please contact us and one of our expert advisors will be able to help you.

Has a life change caused you to fall into debt?

7 Days 7 Ways helps with debt

If you're dealing with a change in your circumstances, you may find that your day to day finances are tighter. Our 7 Days 7 Ways email programme gives practical advice to help you with your finances, at a steady and manageable pace.

There is a way out of debt, and it starts here.

Helping you become debt free...

“I wish to thank your staff for all the great help they gave me when I was in so much debt.
They were a pillar of support to me.” (Leslie, Essex)

Foundation for Credit Counselling Wade House, Merrion Centre, Leeds, LS2 8NG trading as StepChange Debt Charity and StepChange Debt Charity Scotland. A registered charity no.1016630 and SC046263. It is a limited company registered in England and Wales (company no:2757055). Authorised and regulated by the Financial Conduct Authority.

*This is the average rating of our service on Feefo by DMP and DRO clients three months into their solution.

© StepChange Debt Charity 2016