Some ways forward

This email is from someone starting to feel the impact of the crisis.

I’ve just had my hours cut.  I’d like to take on a second job, but there’s nothing around.  It sounds ridiculous to talk about Christmas now, but I’m already worrying.  I usually start buying the kids a few presents really early to spread the cost but that’s going to be impossible this year.  How can I make less go further, without going into debt?

Here is how our advisers begin their advice.

We’re sorry to hear about the cut in your hours, and what it means for you.  A lot of people are in the same place at the moment.

• One way to stretch the household income is to shop around for the best deals on your mobile phone and broadband (depending on the details of your price plan).  Also on gas and electricity.  And for some people asking for a water meter to be installed free of charge can bring savings.
• It’s worth checking insurances and subscriptions.  Cancel any you don’t need and shop around for the others.  It’s normally cheaper if you don’t leave it until just before the renewal date.
• If your children are school age you may be able to get help with uniforms, computers and school meals.  Check out our full online advice.
• A fall in income may mean you’re eligible for benefits, especially if you’re a parent or carer.  The Turn 2 Us benefits checker is very useful.

You sound like a very organised person which will help a lot.

Make a list of your priority bills alongside your lower income.  The main ones are usually housekeeping – food, rent, mortgage, council tax, utilities – and essential travel.

Unfortunately it’s easy to miss a payment or go over your overdraft limit.  Things can then get more and more expensive and it’s harder to get back on track and out of debt.  And think carefully about any ‘buy now pay later’ deals – they’re not always the best option long term.

If you’re worried about debt, get in touch with us at Citizens Advice Reigate and Banstead.  We have specially trained advisers who can always help. 

How to contact us by phone, email or webchat.