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• If you've been sanctioned

  Get help if you've been sanctioned while on universal credit. We have advice on how to check your sanction and challenging it, and how to get hardship payment

• Reducing your regular outgoings

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

• Getting travel insurance

  What you need to think about before you take out a travel insurance policy

• Tell your supplier if you need extra support

  Sign up for priority services to get extra support reading your bills or meter, and priority help from your energy supplier in a power cut

• Problems with insurance policies

  Overview and content list for problems with insurance policies. Read our advice to help if you're having problems with your insurance policy

• While you're on an IVA

  Overview and content list for while you're on an IVA. Get information about if your circumstances change and if creditors are still contacting you

• Stopping bailiffs if you don't owe the debt

  Check how to stop bailiffs visiting you if you don’t owe a debt, find out how to prove you don’t owe the debt and how to complain if the bailiffs still say you owe the money

• Choosing a debt management plan provider

  How to find a debt management plan provider, covering whether a debt management company is licenced and belongs to a trade association and checking the contract is correct