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When everyone has a home

Housing advice for Northern Ireland

Budget

There are a few key steps you need to take to deal with your debts effectively. A charity that provides debt advice can often help you with this.

Planning your finances and your repayments is the most effective way of dealing with debt. An adviser can help you with this process if you're not sure what you should be doing.

Get advice if you are having money problems. It can be hard to ask for help, but there are lots of organisations who will help. They won't judge you or make you feel bad. They are there to help you deal with your debt.

The Money Advice Service's Quick Cash Finder can help you find small things you can cut back on to increase your savings. 

The Loan Calculator from the Money Advice Service can help you work out how long it will take you to pay off your loan, based on your current monthly payments. If you're having money problems, it's best to get some free, independent advice from a charity before you take on any further debt.

A mortgage adviser can work out how much you can afford to borrow based on your household earnings. But, it's important to take your overall budget into consideration too.

Use the Savings Calculator from the Money Advice Service to figure out how long it will take you to reach your savings goal or how much you'll save over time if you set aside a fixed amount of money every month.

Debt advice can improve your health and wellbeing as well as your finances. 

You can get free debt advice from lots of charities in Northern Ireland. Every year, these charities help thousands of people take back control of their money.

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