Debt Help and Money Management

Debt Help

Feeling overwhelmed by debt is tough, but you do not have to go through it alone. At CHFinance, we are here to offer general guidance and support. Our goal is to help you get a clear picture of your financial situation, get organised, and explore practical ways to manage your money more effectively. We focus on giving you clarity, control, and confidence so you can make informed decisions about your financial future.

How We Can Support You

• Understanding Your Finances
  We will help you review your income, expenses, and commitments to give you a realistic view of where you stand.
• Budgeting Guidance
  We will assist you in creating or adjusting a budget to help you manage spending, save, and ease financial pressure.
• Money Management Strategies
  We will share practical tips to help you prioritise essential spending, handle your daily finances, and make your money go further.

By working with us, you can start to take back control of your finances, reduce stress, and build better habits for your overall financial well-being.

When We Will Connect You with Specialist Debt Advice

Sometimes, professional, regulated debt support is essential, especially if you are dealing with multiple debts or need advice on formal debt solutions. In these situations, we will direct you to trusted, free, and authorised organisations that offer confidential, impartial support:

• StepChange
  Provides free, confidential debt advice and online tools to help you manage your debts.
• MoneyHelper
  Offers guidance on budgeting, debt, and financial planning, backed by the government.
• Citizens Advice (Debt & Money)
  Offers nationwide support for debt and money concerns, including help finding local services.

Getting ready for these appointments in advance can reduce anxiety, help you understand your options better, and make the advice you receive much more effective.

Our Approach

We take a supportive, no-pressure approach. Our aim is to equip you with the tools, knowledge, and structure to make the right decisions for your situation. We do not advise on or arrange formal debt solutions (such as IVA, DMP or bankruptcy). Any action you take is entirely your own choice.

Important Disclaimer

CHFinance provides general financial guidance only. We do not provide regulated debt advice or recommend formal debt solutions (IVA/DMP/bankruptcy). Where appropriate, we may act as a credit broker for lending options, and we will refer or signpost you to authorised organisations for regulated debt advice.