Credit cards

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Citizens Advice

How to use your credit card, what it may cost you and what to do if you run into problems
https://www.citizensadvice.org.uk/debt-and-money/borrowing-money/credit-cards/

Money Advice Service

An independent service set up by government to help people make the most of their money.
https://www.moneyadviceservice.org.uk/en/categories/debt-and-borrowing

Stepchange

Advice about how to pay off credit card debt and help manage your credit card debt.
https://www.stepchange.org/debt-info/credit-card-debt.aspx

 

Citizens Advice Calderdale

Debt advice and information. Speak to an advisor face to face, over the phone or by e-mail.
Open Monday – Friday call: 01422 842848 local call rates apply
http://www.calderdalecab.org.uk/

Noahs Ark

Free, independent debt advice including debt relief orders.
www.noahsarkcentre.org.uk

BASH, Brighouse

Foodbank and Support Drop in Service. Support and signposting especially for people who are homeless or vulnerably housed
www.bashlocal.co.uk

CAP (Christians Against Poverty)

A  course to help anyone to get more in control of their finances, so they can budget, save and prevent debt.
capuk.org/i-want-help/cap-debt-help

Credit Card calculator

Work out how long it might take you to clear your balance on your credit card or how much you need to pay each month to clear what you owe by a particular date

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Budgeting

Get help with your bills using the Citizens Advice budgeting tool

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Benefit calculators

Find out what benefits you can get

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What to do if you owe money

How to deal with debt and how to prevent the situation getting any worse

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