Beat the credit crunch

Every day the media is full of news about the economy and the state of the housing market.

For many it's a scary time trying to make ends meet, whether it is paying the mortgage, rent or high fuel bills. If you are in this situation, start dealing with your debt now:

• Draw up a list of all the companies and people you owe money to, how much and who you need to pay first.
• List all the income and expenses for your household. Be honest and make sure the amounts are realistic.
• Sort out your priority debts such as mortgage, rent, fuel, council tax, income tax. Don't ignore letters or phone calls from these organisations. Get in touch with them as early as possible and explain why you are in debt. Try to agree a repayment plan
• Work out how to deal with your non-priority debts. This will depend on whether you have any money left over from dealing with your priority debts and paying for essential expenses like food.
• Facing possession proceedings? Don't panic, get advice. Court proceedings do not mean you will automatically lose your home. Attend the court hearing. Reigate court has a CAB advice desk which can provide assistance on the day.

Click on the links below for more detailed information about help with debt, housing and benefits.

• Help for businesses
• Help with housing
• Maximising your income
• Reduce your energy bills
• Rent Deposit Scheme
• Where to go for help