So here are some of the better resources for you to find information,  advice about and help with debt.

• National Debtline
• Consumer Credit Counselling Service (CCCS)
• Community Legal Advice (CLA)
• Payplan
• Citizens Advice Bureau (CAB), specifically Dealing with money issues
• Shelter advice services directory (listing source of  free confidential advice on housing, debt, welfare benefits, care and health needs (including disability rights and entitlements).
• AdviceUK
• Free debt counselling service from local authorities
• Law Centres

See Planning your personal finances for more, related information.

Here are even more resources for you to look up.

Debt Advice and Support

Free, confidential debt advice from a UK charity

Here are the less complex ways to take care of your money requirements. For more suggestions, that might look like somewhat desperate attempts to make money, see 20 ways to make money in your spare time

• Track down money in lost accounts
• Receiving all the tax credits you are eligible for
• Make sure your savings are working as hard as they can
• Use cashback credit cards

It might make more sense to first explore the few things that you may be spending money on, when you actually don’t need to! (Yes, you read that right). Learn how you can look for things you should always get free.

While on the subject of managing costs, look up this sound advice on managing your budget and cutting costs. Granted that the audience targeted includes aspiring students of a university, but anyone can benefit from finding the right answers to such questions as -

• Save for an emergency.
• Earn interest instead of paying it.
• Invest enough for you to lead a comfortable life after retirement.
• When you travel, never use credit. If you do, you might end up with a runaway expenditure.
• Save for goals that you have set for yourself.

Here are some suggested New Year Financial Resolutions -

• Make savings a habit
• Improve your credit rating by following some excellent tips
• End your mortgages as soon as you can

• “Own not the most, but the best.
• Investing without research is like playing poker without looking at the cards.
• When a company president is ready to buy you lunch it is time to sell the stock.
• Stock maniacs do not create wealth, they transfer and destroy it.
• Though difficult to practice think ahead of the crowd.
• If you cannot find an attractive idea, put your money in the bank account till you get one.
• What the wise men do in the beginning, fools do in the end.
• Concentrate investments in a few great stocks and have fortitude to hold through price fluctuations.
• When you combine ignorance and borrowed money, the consequences can be disastrous.
• Risk comes from not knowing what you are doing.
• In reality, Patience is Crucial, but is a very Rare Investment Commodity.
• When the gap between perception and reality is the maximum price is the best.
• One of the hardest things to imagine is that you are not smarter than average.
• Successful investment is intrinsically independent in nature.”

• Make an investment plan
• Invest with a long-term perspective
• Save for the rainy day
• Buy value with enough margins of safety
• Assess your risk appetite
• Remember that there is no free lunch
• In investing, it pays to start early
• Choose your portfolio manager with care
• Diversify across asset classes
• Watch your investment portfolio by tracking company performance

• Read the fine print before you sign
• Evaluate your advisor / relationship manager
• Power of Attorney – give it responsibly
• Give clear instructions to your stock broker
• Never pay cash to your advisor / agent
• Avoid dealing with multiple banks and brokers
• Delivery instructions – don’t let it slip
• Be on time – even for payments
• Statements and contracts – trust but verify
• Safeguard your documents

General money and debt advice from EDF Energy Trust

Personal Finance – Financial Directory

UK money matters – Financial Advice Websites

Directory of Money & Finance advice

• Save as much as you can and whenever you can.
• Remember that time also has great value – sometimes it can even be priceless.
• Keep your financial expectations realistic.
• Never let your way of living exceed your means.
• Credit card debt must be avoided – it is a real trap.
• Take time to understand the compounding effect of investing money.
• Keep your credit transactions clean.
• Begin investing early in life, and list them in order of priority.
• When you make a new investment, do it with a fresh outlook.
• Your investments need to be diversified, as also your wealth.
• Be rational in the way your spend.
• Take risks only when you fully understand them.

If the above makes sense, then you will be happy to give your answers to a possible survey by the ONS (Office for National Statistics) consisting of such questions – “how satisfied are you with your life nowadays?”, “how happy did you feel yesterday?”, “how anxious did you feel yesterday?”, “to what extent do you feel the things you do in your life are worthwhile?” and more. For some interesting related information, look up ONS’s Well-being knowledge bank.

Who will not welcome ideas to save, right from the simplest tip that common-sense would suggest, to more complex and unusual clues to save, and therefore earn that extra penny?

If you would like to learn of 50 great money-saving tips, look no further than “50 ways to save money…”.

All you need is patience to follow those ideas, and the will to save!