Can't keep up with repayments? Do this first
Letters you don't want to open. You're not the only one, and ignoring them makes it worse.
The order that matters
1. Essentials first: housing, utilities, food and anything where falling behind means losing your home, power or getting legal action. 2. Then cards, loans and buy now, pay later. 3. Contact lenders early. Many can pause interest, lower payments or agree a plan.
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