Struggling to keep up debt payments

I am struggling to keep up with my debt repayments and frightened that if in the event of an emergency it will land me in deep trouble. Can you help me?

You've taken an important first step of realising that there is a problem. And the good news is that there are solutions available to you; you can contact a free and independent financial counsellor, or your financial adviser.

Firstly, you should re-do your budget and prioritise every expenditure from the most important to the least important. Make some cutbacks if possible. Other options you have are to consolidate your debts, reduce your repayments on hardship grounds, and find out whether you are entitled to a pension or other government financial assistance.

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