I can’t keep on top of my priority bills because I have too much debt

If you have unsecured debt that’s making it more difficult to pay your priority bills, then it’s really important that you get free and confidential debt advice as soon as possible.

Your unsecured debt is classed as ‘non-priority’ because the consequences of not paying these each month are much less severe than not paying your priorities each month. There are several debt advice companies (Free / impartial advice page) that can take a look at these debts and give you free, practical debt advice and solutions on how best to pay these debts while staying on top of your most important living expenses. 

I’m falling behind on my priority bills. What can I do?

Of everything you pay out, it’s important that you pay your priorities in full each month. It’s also important that you make an arrangement to clear any priority arrears as soon as possible.

Due to the consequences of not paying priority bills in full, it can be quite difficult to reduce these down. It may be possible to put lower payments in place if you’re facing financial difficulty, however:

• Talk to your mortgage provider to see if they can offer you a lower payment on your mortgage. You may also be able to switch to an interest-only mortgage for a short period of time
• Use an OFGEM-approved utility price comparison tool, to see if you can get a better deal on your gas, electric or fuel costs
• Speak to your local council to find out if your property is in the correct council tax band

We’d also recommend you take a look at your budget to understand what your spending looks like on a monthly basis