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Even a short period of unemployment can upset family finances. See the when things go wrong section which outlines some of the key things you may want to consider to manage the effects of the change.

Make sure you receive all available Government help by talking to the Department for Work and Pensions.

Handling outstanding and new debts can be worrying. The most important advice is to be open about any money worries: both with your family and the organisations to whom you owe money. Speak to Citizens' Advice, or a money management charity like the StepChange D​ebt Charity before things get too bad. They will work with you and your creditors to find a way out.

Make sure you are taking advantage of any savings that can be made to paying bills by Direct Debit. Direct Debit is the easiest option for businesses as well as you. That's why many of them offer discounts to encourage you to pay this way. It pays to check when you get a bill from an organisation to see how much you can save by using this payment method.​

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