What's the problem?

I suddenly have no money

• Lost job
• Benefits stopped (sanctioned/failed a medical)
• Emergency/disaster (fire, flood, lost money)
• Relationship breakdown
• No recourse to public funds (NRPF)

I’m waiting on a payment/decision

• Made a new claim for benefit
• Benefit is delayed
• Waiting for benefit decision to be reassessed

My money doesn’t stretch far enough

• Deciding between food and fuel
• Low income or zero hours contract
• Not sure if eligible to claim for benefit
• Change of circumstances (e.g. new baby / bereavement / illness / reduction in benefit)
• Unsure how to manage my money/overspending

I have debt

• Rent, Council Tax, gas or electricity arrears
• Payday loans or owing friends and family
• Benefit repayments

I have other problems that are affecting how I manage my money

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