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#Examples of bills to pay free#
Community Fridges offer free food and most of the time you don’t need a foodbank voucher to use them.Claim benefitsto help with your living costs.If you need support, the following things can help: Remember, everyone has the right to essentials like food and housing. If you can’t afford the things you need, help is out there. See our information on what to do if you can’t afford to pay bills. Set up direct debits for your bills and other regular payments so they don’t pile up.Money Saving Expert has more information about different banking apps. This can stop you spending the money you need for rent or bills. Use bank accounts which allow you to put money aside in separate pots.The National Debtline website has more information about the breathing space scheme. This is possible under a Government scheme called breathing space. If you’re struggling to pay off your debts, you could ask for a break from paying interest on your debts.You might find it helpful to contact one of these debt organisations. If you’re struggling to pay off your debts, get debt advice.Use one of the tools on the StepChange website. You could set up a standing order to pay off your debts each month. Manage your debts if you can afford to.The Mental Health and Money Advice website has a free budget planner which might help. This could be things like rent or mortgage payments, energy bills, phone bills and food shops. Make a list of all the essential things you need to spend money on every month.The Money Helper website has budgeting advice for people who are self-employed, on a zero hour contract, or claiming Universal Credit. Take out only the amount of money you can afford to spend, for example for a weekly shop.
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If possible, use cash instead of cards.Make a plan for ways to distract yourself, if you notice changes in your mood that might affect your spending.You could start by using this money and mental health toolkit from the Mental Health and Money Advice website. You could plan a relaxing activity for after you’ve finished. You could allocate a set amount of regular time to think about any tasks you need to do around money, for example paying bills. Build money tasks into your daily or weekly routine.Check your bank balance at a regular, set time so you know what you’re spending your money on and how much you have left.This could be letters, bank statements, payslips, bills and receipts. Put all your important documents in one place so you can find them easily.Make sure you’re claiming any extra money or support you’re entitled to.These are some tips you could try to help organise your money: