What can I do to avoid debt

 If you are starting to get concerned about the amount that you are spending, speak to the people that are close to you i.e. partner, family, and friends, work together to create a spending plan.

• Create a budget and keep to it.
• Involve your children and express the importance it will be good teaching for there future.
• include long term plans like holidays as well as day to day.
• remember to include the debts with irregular payment times.
• use direct debits by doing this some also offer small discounts
• always check your bank statements these will help you build an accurate record of your spending.
• Think before buying ask yourself do i really need it.