Useful websites offering advice on debt and financial insecurities.
Citizens' Advice Bureau
The Citizens Advice Bureau service offers free, confidential, impartial and independent advice.
Consumer Credit Counselling Trust
A registered charity offering free, confidential advice and support to anyone who is worried about debt.
Freephone helpline 0800 138 1111.
Debt Advice Trust
An organisation set up to provide expert, honest and impartial advice.
Call free on 0800 954 6518 to speak to an experienced Debt Counsellor.
Financial Ombudsman Service
Independent experts, set up by parliament, to settle individual complaints between consumers and businesses providing financial services.
Tel: 0845 080 1800.
National Debtline
A free helpline that offers confidential and independent advice to those in debt. Tel: 0808 808 4000.
Association of British Credit Unions Ltd
The information and news website about credit unions in England, Scotland and Wales. Provides a range of services to members including information, representation and training.
Features from BBC News:
Advice on how to avoid more debts this Christmas.
How to cope during the recession
The BBC Debt Test
The Debt Test will help you to find out how likely you are to have problems with your borrowing over the next year or so.
The BBC Financial Health Check
Offers some tips for a healthier financial lifestyle - now and in the future.
Other:
Money Saving Expert
How to save for Christmas.
Personal loans
Factsheet from the Guardian.
Thrifty calculator
This tool, from the Guardian, shows how much you could save by diverting the cash you currently spend on everyday items into a savings account.
