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• Help dealing with mortgage debts

  Different options which might be available to help clear your mortgage debt and pay back the money you owe to your lender

• If your employer refuses your flexible working request

  What to do if your employer refuses your flexible working request. Find out if you can challenge your employer's decision and how to start this process.

• Dealing with your business energy bills

  Get advice about what to do if your small business is in debt to your energy supplier or you're having problems affording your bills

• Student housing - your behaviour in halls

  Explains how students can be sanctioned if they misbehave or have rent arrears when living in university halls of residence. Sanctions can include withholding qualifications, preventing students progressing in their course and eviction

• Check who can claim Universal Credit

  Check if you can get Universal Credit, a benefit you can claim if you're on a low income or unemployed. Read our advice to check if you're eligible

• Choosing voluntary redundancy

  Work out if voluntary redundancy is right for you, and know when it affects benefits, mortgage protection or early retirement

• Starting a pension

  Overview and content list for starting a pension. Read our advice about how much pension you'll need and choosing a personal pension

• Paying your water bills if you're renting

  Payment issues and problems you may have as a tenant with your water bill and what you can do