I can't afford my bills - what should I do?!

More money going out than coming in? The cost of living crisis has hit us all and as bills slowly get more expensive, it can feel like you're constantly trying to catch up. If you've started to miss payments or have been faced with a big unexpected cost, don't ignore it and hope it sorts itself out. That will often only make things more stressful later and there are steps you can take now to get support.

Prioritise the bills that matter most

A useful starting point is to think about what could happen if you don't pay. Bills linked to your home, energy and essential living costs should usually come first so things like rent, gas and electric, council tax, water are considered 'priority bills'. Make a quick list on the notes app of your phone setting out what money you have coming in and what essential costs have to go out. This won't be a perfect budget but will help you give a debt adviser a good picture of what's going on.

Check whether you're getting all the support you can

If you're struggling financially with the cost of living, it's worth checking whether you could be entitled to extra support such as council tax reductions, help with housing costs or child benefits or local support. Even if you're working, you may still be entitled to help if you're on a low income so it's always worth exploring. Young people in Nottinghamshire can access free, confidential debt advice through StepChange, the UK's leading debt charity, via their helpline 0800 138 1111.

Be proactive and reach out for help

If you know you are not going to be able to pay a bill, contact the company before or as soon as you miss the payment. It can feel awkward asking for help but you can simply ask 'what support or payment options do you have available?' Depending on the type of bill, they may be able to; reduce your minimum payment, give you longer to pay, agree to a payment plan, move you to a different tariff or help you access their financial support schemes if available. Many utility providers have schemes in place such as Severn Trent's Big Difference Scheme or advice and energy grants available through British Gas Energy Trust.

If you need a warm space over the coming winter months to talk things through, grab a hot shower or emergency food supplies, IAF's youth hubs are always open to you. We can also put you in touch with specialist debt advice services like StepChange or your local Citizens Advice service for support resolving consumer issues with utility and credit card companies.