Debt advice is available from many financial organisations, and is usually offered for free – but what form could that debt advice actually take?

Here’s a look at just two of the ways in which a professional debt adviser could help you manage your finances more effectively.

Debt advice – help with budgeting
Budgeting is all about understanding and controlling your finances. To create a budget, you should start by adding up your total monthly income, then taking away your total monthly expenditure.

However, this may be a little harder than it sounds. Although some costs, such as your mortgage/rent payments, may be easy to calculate… other costs, such as travel costs, food and utility bills, may be more difficult to work out.

A professional debt adviser should be able to offer you tips on how to draw up your own budget and how to keep track of your finances more effectively.

Once you can confidently keep track of where your money is going each month, you should find it easier to plan ahead and avoid spending money that you should be using to repay your debts and cover your essential expenses (mortgage/rent payments, Council Tax, food, utility bills, etc.).
Debt advice – help with negotiating
Your lenders are aware that anyone’s circumstances can change. If this happens to you, and you can’t afford to repay your debts anymore, you should contact your creditor(s) and explain your situation – telling them what you believe you can realistically afford to repay each month.

You may be able to negotiate with them and get them to accept lower payments each month until your situation improves.

However, it may be worthwhile to get some professional debt advice first. A professional debt adviser should have the experience and knowledge to help you prepare for any negotiations, improving your chances of reaching a satisfactory agreement with your creditor(s).

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