The Income Collection Service

How can I arrange my finances so that I can pay my bill?

Also in this section

Ways to pay

What do I do if I have problems paying?

What do I do if I want to query a charge?

What will happen if I don't pay?

Seeing someone in person to discuss your bill

Arrange to budget

The simplest way is to get to grips with a monthly budget - and stick to it.

Budgeting has never been easier with a good choice of online budget calculators to do all the hard work for you. You can find them at www.nationaldebtline.co.uk and www.moneybasics.co.uk.

It is best to try paying your usual monthly out-goings by direct debit; not only does this help you keep track of your finances but you can also save money as many companies offer discounts if you pay this way. Try www.directdebit.co.uk to see which savings you can make.

You may also wish to visit a financial advisor to see where your money is being spent and whether it should change. Go to www.searchifa.co.uk to find one in your area.