How do you know if you need our help?

•  Have you ever been stressed or worried about money?
•  Have you ever had trouble affording food for your family?
•  Do you struggle to keep up with payments on credit cards, store cards,
   utility bills, loans, overdrafts or other contracts?
•  Are you concerned creditors may eventually take legal action against you?
•  Is keeping track of your money a concern?
•  Do you want to get a handle on your finances and stay out of debt?
•  Do you find you can’t do the things you want to do because of a lack of money?
•  Do you find yourself trying to stretch out your income to the end of the week?
•  Have there been arguments in your household over money and bills?
•  Do you have any debts that you find hard to keep up the repayments on?
•  Have you had a sudden change in your financial situation
   – (like a job, a new baby, unexpected bill)?
•  Have you ever put off going to the doctor because of the cost?
•  Do you wish you had more money for things like holidays, new clothes, etc?