Life can be unpredictable, and sometimes, you may find yourself struggling to keep up with your bills. It’s important to remember that you’re not alone, and there are resources and strategies to help you manage your finances during difficult times.

Assess Your Financial Situation

The first step in tackling financial difficulties is to have a clear understanding of your current financial situation. Make a list of all your income sources and expenses. This will help you see where your money is going and identify areas where you might be able to cut back.

Prioritise Your Bills

Certain bills should be prioritised because the consequences of not paying them can be more severe. These include:

• Rent or mortgage payments: To avoid eviction or foreclosure.
• Council Tax: Non-payment can lead to legal action.
• Utility bills: Essential services like electricity and gas.

Seek Advice and Support

There are numerous organisations in the UK that provide free and confidential advice to help you manage your finances. Some of the key resources include:

• Citizens Advice: Offers guidance on managing debt and budgeting.
• StepChange Debt Charity: Provides free debt advice and solutions.
• National Debtline: Offers free debt advice and support.

Dealing With Energy Bills

If you’re struggling to pay your energy bills, there are several steps you can take to get help.

Government Help with Energy Bills

The UK government offers various forms of support to help with energy costs. This includes:

• Winter Fuel Payment: A tax-free payment to help older people with their heating costs.
• Cold Weather Payment: Payments made to eligible individuals during periods of very cold weather.
• Warm Home Discount: A one-off discount on your electricity bill for those who are eligible

To find out what support you may be eligible for and how to apply, visit the government’s official website or contact your local council.

Energy Supplier Help

If you can’t pay your energy bills, it’s crucial to contact your energy supplier as soon as possible. They are obligated to help you find a solution and may offer:

• Payment plans: This allows you to pay your bill in manageable instalments.
• Grants and hardship funds: Some suppliers have funds to help customers in financial difficulty.

Energy Efficiency Advice

Smart Energy GB offers an energy bill help guide for those worried about energy bills. This downloadable guide covers:

• Detailed information on available government support and how to access it.
• Guidance on contacting your supplier if you’re unable to pay your bills.
• Tips on accessing extra support and managing stress and anxiety related to energy bills.

Managing Other Household Bills

For other household bills, such as phone, internet, and insurance, contact your providers to explain your situation. Many companies have policies in place to assist customers facing financial difficulties, which might include payment plans or temporary reductions.

Take Care Of Your Mental Health

Financial stress can take a toll on your mental health. It’s important to take care of yourself and seek support if needed. Organisations like Mind and the Samaritans offer resources and support for those experiencing stress and anxiety.

Struggling with bills can be overwhelming, but there are many resources and strategies available to help you manage your finances. Talking to someone else about it, whether it’s a friend, family member, a helpline, charity or your energy supplier, will help you to feel supported and get the help you need.