How can I manage my debts better

• Always check your bills each month for accuracy. even computers make errors.
• Once you have your budget in place try to pay your bills on time, this will stop late payment charges which can mess up your budget.
• When creating your budget try to allow more than the minimum payments 
• Do not take on any more debt if there is no money left in your budget as this is where the problem starts
• Try to save a little, even on the smallest of budgets you may still be able to put a fiver a month away, this could be your lifeline if something happens and you cant pay one of your bills
• If you find yourself struggling contact a debt professional immediately you may find that things aren't as bad as they seem.