Money worries

In the current economic climate very many people are finding that money is becoming a worry. If you are finding yourself falling behind with repayments or have debts, there are many organisations that will provide non-judgemental advice and help. It is never too late to seek advice.

BeGambleAware® provides information to help people make informed decisions about their gambling. They will help you to find out more about gambling and what safer gambling means, to understand and recognise problem gambling, and show you where to go for further information, help and support should you need it.

You can also read an article in Envoy magazine by a former serviceman who shares about his parallel life he led gambling. the dangers and how much he lost in the process.

The Citizens Advice Bureau (CAB) is particularly good when it comes to debt or advice on welfare benefits and have offices on most towns and is an excellent place to start. For those residing in Scotland locations of Citizens Advice Scotland offices can be found on the website.

Compare the Market explains about debt consolidation loans, among other general information around credit ratings, FAQs and similar related articles.

Debt Support Trust A registered charity providing debt advice and support for people struggling to manage their debts. Trained volunteers and qualified debt advisors are on hand to give you tailored and caring debt advice.

Military Debt Help  An organisation familiar with the issues facing serving personnel.

The Money Advice Service offers free and impartial money advice which has been set up by government. It offers advice and guides to help improve your finances, as well as tools and calculators to help you keep track and plan ahead. You can also tap in to support in person, over the phone and online. also has a useful page explaining about debt consolidation, a debt management plan, Individual Voluntary Arrangements (IVA) and Bankruptcy.

National Debtline will provide free confidential and independent advice on how to deal with debt problems.

StepChange Debt Charity are particularly good at giving free practical debt advice and will help you step by step through the process and help get you back in control of your money.

Christians Against Poverty (CAP) is a national debt counselling charity with a network of 92 centres based in local churches. CAP offers hope and a solution to anyone in debt through its unique, in-depth service.