Self help guide 

Moat helps residents by providing housing and welfare benefits advice.  If you are facing debt problems, this guide will tell you what you can do and where to get advice and help.

Many people are in debt these days for many different reasons. Unemployment, separation, sickness and bereavement all affect an individual’s ability to pay. Many people ignore their problems and hope they will simply go away. However, this can lead to the risk of losing their home and other items.

There are many practical steps that you can take to help tackle financial difficulties. The guide is split into the following sections:

• Golden rules
• Who to pay first
• Why is it important to work out a personal budget?
• Personal budget - income
• Personal budget - expenditure
• Putting your creditors in the picture 
• Paying priority and credit debts

If you have any queries regarding any of the information in this guide, please contact us.

Your home is at risk if you do not keep up rent and mortgage repayments or payments on other loans secured on it.

Please note that the value of properties can go down as well as up.