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Life and debt

Changes happen all the time. By being prepared for these changes, you can sometimes lessen the impact they may have on your day-to-day life.

Some changes are just too unexpected to prepare for. They can happen quickly and through no fault of your own. A significant change in your situation is the most common cause of financial problems.

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. Should this happen, 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 information on the most common situations we come across.