Get a fresh start By simply opening this guide you have already taken the first step towards a fresh start with your finances. More than eight million people in the UK have financial difficulties. We know that this can be tough to deal with. It can sometimes feel overwhelming, but there are solutions. Introduction Don't be tempted to skip this section. It's short but gets you ready to deal with your debts. A quick overview of the guide Step 1 Know what you’ve really got Page 11 This step shows you how to complete your budget, which is an essential tool for dealing with your debts. Step 2 Maximise your money Page 29 This step looks at how to make the most of your money. Step 3 Choose your debt solution Page 43 This step looks at the different solutions you have for dealing with your debts. For a full list of what this guide contains, see the inside back cover. Page 1