If you have difficulty budgeting on a monthly basis or already have existing debts which means that monthly budgeting may be difficult, you must let the Job Centre Plus know when you make your claim for Universal Credit.
They will arrange for you to meet with an advisor from Shelter who can help you budget and advise you on your debt problems, this is called personal budgeting support. You will be eligible for this service under the Feel at Home with your finances project (FAHWYF) run by Shelter and BIG lottery funding.
Or the Money Advice Service have some tools to help you:
We are working in partnership with Shelter who can provide help and advice on Universal Credit, debt etc – please contact Shelter at: