What to do if you are in debt

Once you know your family budget you can start to look at how you can deal with any debts you have.

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Useful debt resources

This Self-help tool is designed to help you deal with debts yourself but remember if you are in debt there are lots of free money advice services you can contact who will act for you.

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Priority and non priority debts

Debts are split into priority and non-priority debts. Priority debts are ones that have serious consequences if you don’t pay them for example if you don’t pay your rent you could be evicted.

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Dealing with your creditors

If you have more money going out than you have coming in, you need to get support from a free professional money adviser to help you improve the financial wellbeing for you and your family.

Privacy Overview

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Covering your tracks

You may not want other people to know that you’ve been searching for information or help from OPFS.

When browsing the internet whether on a mobile phone, tablet or computer, you leave a ‘history’ trail of pages and sites you’ve visited.

It’s impossible to completely avoid being tracked online but if you’re worried about someone knowing which sites you’ve been looking at, there are some things you can do to help cover your tracks.

If you’re using a laptop or desktop computer, try keeping another document or website open in a new tab or window while browsing. If someone comes in the room and you don’t want them to see what you’re looking at, you can quickly switch to another window or tab.

Deleting browsing history

You can delete the history of websites you’ve visited, but it’s important to know that if you delete your browsing history, someone else using the same device may notice.

If you share a tablet, mobile phone, laptop or computer with someone, they might notice that passwords or website addresses have disappeared from their history.

Find out how to remove your browsing history and other data from some of the most commonly used browsers:

Browsing in Private mode (incognito)

When browsing ‘incognito’, the internet browser won’t store cookies or record your browsing history on the computer, mobile or tablet.

This option is available on popular web browsers i.e. -

Toolbars

If you use a search toolbar in your web browser, remember that your searched items can be saved as part of your history. Find out how to delete your searched items from the following search engines: