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Avoid getting into debt this Christmas. How to work out what you have available to spend. How to set a Christmas spending budget and stick to it.

Essential tips on how to go Bankrupt. Should you sell your car beforehand? Do you need to change your bank account? Will you have to make ongoing payments?

Sound money management advice to control your finances. Understanding your income and outgoings. Controlling your expenses. How to live within a budget.

Can I do an IVA if I am a pensioner. Am I too old. Is there a maximum age. Can i be forced to release funds from my pension.

Will the gas or electricity be cut off. What about arrears on our utility bills in an IVA. Are we allowed a mobile phone contract.

If your Debt Management Company has closed what happens to the money you paid to them? Do you still have to pay your debts? Should you start a new Plan?

Can I do an IVA with no monthly payments? What is the minimum payment for an IVA? Can payments start lower and then increase? What about lump sums?

Can you afford to pay the required IVA payments? Can you sustain these payments for the duration of the plan?

Can you do an IVA if you are receiving benefits. What if you are working as well? What if your only income is benefits? What if the benefits change?