If you are struggling with money or debt problems, taking the first step to talk to someone can be really hard. Many people facing debt worries can feel alone and like they can’t talk about it. This can make it a bigger burden to carry. Talking to someone and getting debt advice can change your life. It can help resolve debt issues, increase confidence, improve wellbeing, and set you on the road to better managing your finances.
There are lots of options on how to start the conversation about money. Find the one that works best for you.
First step
As a first step, try talking to someone you trust. When possible, be honest with your loved ones about your financial situation. Getting debt advice is only part of the challenge. Having support in your daily life can make all the difference, and they can take that next step with you.
Second step
If you don’t feel comfortable talking to a loved one and are worried about talking to a debt adviser, a good starting point is looking at options on the Barking and Dagenham Money website.
For example: If you are worried you have a debt problem, a great first step is to take the 60 second debt test at the bottom of the homepage.
To help with your financial situation, you can also check whether you are claiming all the benefits you might be eligible for.
And if you are feeling stressed about your money worries, but don’t feel like talking to someone yet, then have a look at our mental health page for guidance.
Or download this mental health and money advice toolkit as a starting point.
Third step
If you feel comfortable and want to get some more specific financial guidance, you can contact a free, impartial organisation that specialises in this. They are:
- Non judgmental services.
- Want to talk to you know matter how big or small your problem is.
- Can suggest ways to deal with debt you might not have heard of.
- Find a way to manage your debts – even if you don’t have extra money to hand.
- Have teams of debt experts that help thousands of people get their lives back on track.
You can ring them or go online. If you would like to find a free debt adviser, you can search here:
Fourth step
Another way is talking to someone from the Homes and Money Hub. They are open for a drop in at Barking Learning Centre and Dagenham Library from 9am to 4pm, Monday to Friday. Or you can email them via homesandmoneyhub@lbbd.gov.uk. They will have a chat about how best to help you manage your debt and maybe sign post you to other services that could help.