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Life Changes

Everyone's circumstances change as they go through life. Some events, such as starting or losing a job, having children and retiring can make a big difference to your finances.

Often, money becomes tight and debts can start to build up.

Don't hesitate to seek help if this is happening to you. It can be difficult to admit you are having money problems, especially if you have always managed your money well in the past. However, sympathetic help and advice is available – and the sooner you start to tackle the problem, the sooner you will feel in control again.

Our pages provide useful advice on life changing events such as:


If you are on a low income you may be entitled to benefits to contribute towards your living costs, rent and council tax. There are also benefits available if you are disabled or caring for someone.

Find out more on our benefits page.


If you are in debt, it is best to get some advice straight away, for example, from your local Citizens Advice Bureau. You can find your nearest bureau by visiting the Citizens Advice Bureau website.

For free information and advice about debt, visit the Stepchange website or call 0800 138 111.

Alternatively you can visit the National Debtline website or call 0808 808 4000.

You can also visit the 'Managing Debt' section of the GOV.UK website to find out more about coping with debt.

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