If you are experiencing financial difficulties, there are a number of organisations which offer free advice and a range of money management tools to help you deal with debt and get back in control.
StepChange Debt Charity
Debt Remedy Tool - this free and anonymous online tool will create a personal action plan, giving you the best ways to deal with your debt. It takes about 20 minutes to fill out, but you can stop and come back to it as many times as you wish.
A free and impartial debt advice service which gives four simple steps to getting back in control of your finances. You can also phone, or email them, for confidential advice.
Money Advice Service
The Money Advice Service has lots of useful advice and tools. The Budget Planner is particularly helpful if you're just starting to tackle your debt.
Christians Against Poverty (CAP)
A national charity specialising in debt counselling for people in financial difficulty, including those in need of bankruptcy or insolvency. CAP also provides Job Clubs for those seeking employment and Release Groups for people looking to overcome addictions and dependencies.