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• Get a hardship payment if you've been sanctioned

  If you've been sanctioned, you might be able to get some emergency money to help you cover household expenses. This is called a hardship payment.

• Critical illness insurance

  Information on critical illness insurance, what it covers, factors to consider before taking out critical illness insurance and how to buy an insurance policy

• Reducing your regular outgoings

  Find out how to save on household, energy and water bills, your TV licence and travel costs

• No money to pay creditors - joint letter

  Joint letter template for when you have no money available to offer to your non-priority creditors. This template is to be used for guidance.

• Buying a used car

  What checks to make when buying a used car, how to negotiate a deal, different payment options

• Choosing and applying for a credit card

  Information on what to look out for when choosing and applying for a credit card

• Sorting out money when you separate

  Sorting out money when you separate. Arranging financial support, including help with legal fees and benefits, and help with council tax and dividing up money.

• Ask the council for money or help to do repairs

  Local authority powers and financial help available to private rented tenants and landlords to cover the cost of repairs or improvements

• Extra money and help PIP entitles you to

  Find out what extra help you can get for Council Tax, Road Tax bills or travel support such as a Blue Badge when you claim Personal Independence Allowance (PIP

• Income protection insurance

  Information on income protection insurance, factors to consider before taking out income protection insurance and how to work out the level of cover you need