Figures released today from Citizens Advice show that 4 million households in England and Wales are in a negative budget, where their incomes are too low to cover the bare essentials each month.
If you are struggling, fill out MoneyHelper’s budget planner, external.
The budget planner adds up all your income and outgoings, and then shows you what’s left over. It breaks down where you’re spending your money, giving you an idea of where you might be able to make savings and cut costs.
If you’re falling short, get help right away from the main debt advice organisations like StepChange, external and National Debtline, external.