Debt test

Select the item below that you're struggling to pay for:

If you are struggling to buy clothes or things for the home, here's what you can do:

  1. Try to hang on until your next payday to buy the item. Taking out a high interest loan means you’ll end up paying a lot more for it. And if you can’t pay the loan back on time you’ll pay extra interest and late payment charges.

  2. Consider buying it second-hand or getting it free from a recycling website like freecycle (external link).

  3. Try contacting your local council (external link) if it’s an emergency and you are on income-based benefits. For example if your boiler's packed up in winter, you can’t afford food, or you’ve come out of care, hospital or prison and need help to stay in your own home. You may be given furniture, clothing, white goods, food grants or money. People on the lowest incomes usually have priority.

  4. Use our Budget planner to find out exactly where your money’s going each month.