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Dealing with Debt

It is never too late to start dealing with debt but it is crucial that you seek debt help as soon as you realise you’re struggling.  Simple steps can help to put you on the right track:

  • Work out how much money you have coming in and going out using a budget sheet.  You can arrange your payments into priority and show how much you have left to pay towards your debts
  • Speak to all the companies you owe money to - they may be able to provide advice and offer a repayment plan if you explain to them the difficulties you are having
  • Pay off your priority debts first - these are debts like rent and Council Tax, which could lead to you losing your home or going to prison
  • Plan how you are going to pay your less urgent debts such as an overdraft or credit card, over a longer period of time
  • Maximise your income - use a benefits calculator to ensure you are claiming all the benefits you are entitled to
  • Do not borrow more money to pay off your debts
  • Minimise spending - visit our Money Saving Tips page for practical ideas of how you can save money


If you're struggling with debt, don't suffer alone - there are people our there who can help:

  • Rykneld Homes has a dedicated team of staff who can offer advice and support.  You can contact our Financial Inclusion Team on 01246 217670
  • You can seek free, independent and confidential advice from the North Derbyshire Citizen's Advice Bureau who can be contacted on 0300 456 8437.  Visit the CAB Money website for advice on debt and financial problems 
  • For a safe place to save and borrow money, Rykneld Homes recommends Chesterfield and North East Derbyshire Credit Union.  For more information about them, visit their website at www.cnedcu.co.uk or telephone them on 01246 278833 or call into their offices at 4-6 Soresby Street, Chesterfield S40 1JN.

Beginner's Guide to Managing your Money

The Money Advice Service can offer a huge amount of information about dealing with debt and getting the most from your money.  Good money management can mean many things - from living within your means to saving for short or long-term goals, to having a realistic plan to pay off your debts.

Visit the Money Advice Service website to learn how to set up a budget, make the most of your money, pay of debts or start saving.


Get in touch

Complete our online form

Call 01246 217670

Email us contactus@

Visit your local Area Office

Write to us Rykneld Homes Ltd, Pioneer House, Mill Lane, Wingerworth, Chesterfield
S42 6NG

Twitter @Rykneld_Homes

Facebook @RykneldHomes

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