In order to maximise your income it may be beneficial for you to contact your local ‘Citizens Advice Bureau’ and request a full benefits check based on your current circumstances. You may find that you could be entitled to benefits such as ‘Housing Benefit’ or ‘Council Tax Benefit’.

Further to that it is important that you make time to create a budget, listing all the money coming into your household in the form of income, but also all the money going out of your household in the form of expenditures. When drawing up a budget it is essential that you prioritise things such as rent, council tax and food etc over and above any credit card bills that you may have.

If you are in arrears with your rent, rates or water or if you have other debts you are struggling with, then it is important that you seek assistance from a money adviser. Please see the list of 'Leading Debt Advisors' on the homepage for free help.

This question has been answered by Christians Against Poverty, a leading debt charity offering hope and a solution to anyone in debt.

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