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Which Bills or Debts Should I be Prioritising When in Financial Difficulty?

A couple discussing their bills priorities.

We always strongly recommend you prioritise any bills/debts where the consequences of non-payment could result in eviction, disconnection of essential supply, imprisonment, further fines/penalties or further legal/enforcement action.

If you are struggling with any of these expenses, always contact the company to advise of your situation and ask for assistance:

  • Rent / Rent Arrears / Board and Lodgings
  • Mortgage / Mortgage Arrears
  • Secured Loans
  • Ground rent / Service charges
  • Council Tax / Council Tax Arrears
  • TV Licence
  • Court Fines
  • Child Maintenance
  • Finance agreements
  • Car Insurance
  • Normal domestic utilities
  • County Court Judgments / High Court Judgements / Charging Orders / Attachment of Earnings / Bailiff debts

Although it can be difficult and you may feel embarrassed to admit you are in financial difficulty, you are not alone. Everyone is feeling the pinch with the cost of living ever increasing, just look at the statistics that the Money Charity post. Also, keep in mind that many companies will have specialist teams that can help you if you fall into difficulties with these types of commitments if you reach out to them, the key is to do this sooner rather than later, as engaging with your providers early may reduce the chance of any enforcement, and this also means you spend less time to worrying when you could have been given the options available to you earlier.

If you would like further information or assistance with your finances please contact us. We have helped tens of thousands of customers with their finances and we are rated 4.9/5 on Feefo* by our customers.

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* based on 1,173 FEEFO ratings August 2023.

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