debt

We all need to plan how to spend our money wisely. We have prepared an income and spending form to help you calculate how much money you need to keep aside to pay bills. You can then work out how much you can afford to put aside, whether to pay off debts or to pay for repairs when something breaks down.

It can be tempting to borrow money to solve short-term problems, but this can often lead to more serious problems. Sometimes credit companies encourage people to borrow money that they cannot afford to repay. Stoke CAB strongly opposes irresponsible lending.