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• How much pension you'll need

  such as a Winter Fuel Payment or energy efficiency measures for your home. Paying your debts. Try to plan for any borrowing to be paid off before you retire. Your expenses. Some expenses may be lower

• Making a plan to pay your debts

  important debts first - these are called 'priority debts'. Priority debts mean you could lose your home, have your energy supply cut off, lose essential goods or go to prison if you don't pay

• Check the rules after you go bankrupt

  fairly. For example, you shouldn’t pay back a family member if it means you can’t pay another debt like an energy bill. The official receiver only checks which debts you paid if: you paid a debt when you

• Check how much a call will cost

  Sometimes the call will be a set price - this is often the case for entering competitions. For example, it might say: “Calls cost £2 plus your phone company’s access charge.” In this example the £2 includes

• If you’re struggling to pay your credit card

  '. Priority debts include: rent and mortgage gas and electricity council tax court fines If you don't deal with your priority debts you might for example lose your home or have your energy supply cut off

• Stopping bailiffs at your door

  collecting: council tax arrears credit card or catalogue debts unpaid parking tickets money you owe to energy or phone companies You have the right to keep them outside and talk through the closed door

• If you're thinking of making a claim to an employment tribunal

  of time and energy. It can be stressful and take months before your case is heard.  Think if you need help with your claim. You don’t need a lawyer to make a tribunal claim although you might find

• Check your rights if you share accommodation

  . If an account is set up using the names of everyone who lives in the property, the supplier can chase anyone for any outstanding debts even if you've already paid your share. More about paying energy bills

• Negotiating your debt with bailiffs

  after paying your other essential costs such as food, rent, mortgage and energy bills. Don’t offer to pay more than you can afford. You could make your situation worse if you can’t keep up with your

• Discrimination because of sex

  husband’s signature, while a married man is not required to have his wife’s signature refusing to accept a woman’s salary as the basis for a mortgage because of her sex a nightclub charging a higher price