The Self Help Guide is designed to help you to fully understand your current financial circumstances and to give you the skills and tools you need to improve your situation. Please read the instructions carefully to get the most from this guide.

• A structure for dealing with your financial difficulty
• Information to help you manage your debts
• Interactive and downloadable tools to help you put a plan in place
• Advice and materials you can use to communicate with those you owe money to
• Help to plan your finances for the future