How to get out of debt

Pregnant and you owe money? There is help

You are pregnant and in debt. A common situation. Finding yourself pregnant most often comes when finances are not in the best shape, to put it mildly.
You may already be sorting it out. Or you may not know where to start.

Most people are balancing income with outgoings, rent, mortgage, credit, debit and store cards, not forgetting the food bill! Pregnancy can be just one more thing to add to the mix.

HOWEVER,

There is a lot of expertise and real help for anyone in debt.
Being pregnant is a special circumstance and there is even further help.
Whatever the circumstances or how much money is owed we can point you in the right direction to real solutions.

Intro to the Step Change charity that helps pregnant women in debt

Step Change is run by professionals who know about debt, the embarrassment and worry that it can cause and they understand about how people get into a muddle with money and how many people ignore it making it worse. And most importantly they know how to put an end to the worry and anxiety it causes.

Step Change also informs you of your rights, and how to:

– write to creditors
– pay what you can afford
– arrange a payment suspension
– arrange a plan that suits your circumstances

and many other options.

Step Change shows how to increase your income whilst pregnant and gives confidential advice. They have an online benefit checker to find out if you are in receipt of everything you are entitled to, and help you to budget for the future.

Debt circumstances they can help with

– Late payments
– Getting calls and letters from people you owe money to
– Not being in control of your finances
– Stressed and worried about your finances
– Need help to manage money better

and much more

Step Change - show how to deal with less money coming in

How to
– contact those you owe money to
– get emergency help if you need it
– gather your debts
– build a budget
and more.

Citizens Advice provides financial help if you are pregant and in debt

– help with the cost of living
– help with debt
– debt solutions
– budgeting
– mortgate problems
– rent arrears

much more

If you are worrying about childcare costs - there is no need to!

There is a lot of financial help for the cost of childcare.
Click on the links to find out more.

Gingerbread Charity - helps children and their parents

This charity helps if you are a single parent.
You are invited to apply for a grant if you are on a low income and struggling financially.