The best way is to get help, as there is quite a lot of help available. Some of the organizations that claim to offer debt assistance are not honest, though, so it's best either to go to your nearest Citizens' Advice Bureau or, to start with, have a look at the advice on the official government debt website.

The first thing to do is to make a list of everythng you owe, however small, and then put the payments in order of priority. To help you manage your finances you can use free online tools like a Budget Planner.

Once you are clear about how much you owe, you can get free advice from some of the organizations listed here. They will usually help you find a way to consolidate your debts, and to make a plan so that you pay back a fixed and affordable amount each week or month.