Cost of living

How to get help if you’re worried about debt

After the expense of Christmas and New Year, a lot of people are forced to tighten their belts in January.

Many of us rely on credit to pay for Christmas, and feel pressure to spend more than we can afford – which can leave us with a worrying financial hangover.

This year, the cost of living crisis is already putting households under pressure, and anyone struggling with debt is being urged to seek help.

There are various charities and Government-backed services offering support, including…


A UK debt charity offering free impartial advice.

National Debtline

Another UK charity dedicated to providing free, impartial debt advice.


A UK Government-backed initiative that combines support from the Money Advice Service, the Pensions Advisory Service and Pension Wise.

Citizen’s Advice

You can also find useful information on the national Citizen’s Advice website.

Wrexham residents can also call Citizen’s Advice on 0300 330 1178.

The most important thing is ask for help, and to make sure you speak to an established charity or organisation that has your best interests at heart.

Leaving debt problems to fester usually makes things worse, so it’s better to tackle them head-on with the help of a trained and experienced debt advisor.

Last October, Wrexham Council set up a cross-party working group to support people through the cost of living crisis.

Councillor David A Bithell, who chairs the group, says:

“January can be a difficult time, and if you’re struggling with debt, it’s really important to reach out and get help.

“Charities like Step Change and National Debtline provide free impartial advice, and can help you get back on track.

“They won’t judge you or make you feel bad about your situation – they’ll listen and help you find ways to manage your debts.

“If you’re worried about money, please don’t sweep it under the carpet or bottle it up. Reach out and ask for help.”

You can find more information on the cost of living on Wrexham Council’s website – including grants and benefits, help with household bills, and how to look after your health and wellbeing.

When it comes to the cost of living, making sure you claim all the help and support you’re entitled to could make a huge difference.