When money's tight you need to keep an eye on your spending and if it's spiralling out of control get help to sort out your debts.
Learn how to budget
Bolton's Money Skills Service run workshops to help local people learn more about budgeting.
The national Money Advice Service produce a free guide that you can download called 'Making your budget work for you'.
Dealing with debt
Being in debt can be frightening, but the more you ignore the problem the worse it will get. There are specialist organisations out there that can help you make sense of your financial situation and help you to start to get to grips with it.
Bolton's Citizen Advice Bureau have a basic debt advice podcast on their website - this is available in three languages: English, Gujarati and Urdu. You can also email them using a specially designed 'Email Advice Request - Debt' form; you'll find it if you follow the link from their website's home page to where it says 'Worried about your debt situation?'.
You can also call the National Debtliine on 0808 808 4000 for free and confidential advice.