2. Do you get the discount for fuel bills in-line (using internet)
3. If alone - do you get the 25% discount on Council Tax?
4. Have you been to get a FULL Benefit Check - telephone helplines or CAB will do this for free
5. Are you paying a company to deal with your debts? Why - Payplan, CAB, National Debtline or CCCS etc will do it for free!
6. Are you giving in to calls from creditors and agreeing repayments you cannot afford? Then go to the above agencies for help - you do NOT have to pay under threat
7. Do you have a household budget - you will if you go to the agencies above - then live to it and things will improve
8. Have you got a water meter? Get one!
9. Are you being threatened with Court action? Get help from any of the above. The Courts are not agaiunst you!
10. Are you having difficulty finding the money for a DRO or Bankruptcy, contact a reliable adviser - they MAY be able to help