www.lloydstsb.com If you’re facing a debt problem, it can be really daunting. However there are a few things you can do to regain control your debts. I’ll give you some pointers for how you can manage your finances better in the future. Where do I start? We now need to put pen to paper. Or, if you’re computer savvy, create a spreadsheet that you can keep updated as you go. You need to start by having a look at your debts: list them all, note them down by company, how much you owe each company and more importantly, what the interest rate is. You can look through your bank statements and the bills you receive from each company to help determine which priority they should be paid in. What you need to do now is look at your budget. If you don’t already have a budget, now is a good time to create one. This will help you determine what your outgoings and incomings are. And it will help you determine whether or not you can alter them so that you can start to make some payments toward your outstanding debts, to help get rid of you debt much quicker by freeing up some spending. What you’ll need to do now is look at your expenditure. Look at those pricey things, like the coffees, the takeaways, all those things that add up, and use that money to actually pay off the debt much quicker. What else can I do to manage my debt? Once you’ve determined how much you can afford to pay toward your debt each month, talk to the companies involved to see if you can make those arrangements. Try …