Complex Situations

There are situations that affect people’s lives that make their finances harder to manage. These pages look at some of these situations and provide advice for how to address financial issues.

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Complex Situations

There are a number of situations that affect people’s lives that have a significant effect on their finances and make them more complex to manage. These situations can make it harder to keep your finances in order, harder to solve problems and also harder to have the mental and emotional space to work on them.

No matter your situation, there are things you can do and there is help available. It is important to let your creditors know your situation so they can help. Many creditors have special conditions or programs for people in particular situations. Discussing your situation may be difficult, but it can be the key to getting the help you need to improve your situation.


Domestic and family violence and financial abuse

If you are in a domestic or family violence situation read the information on this page to see what you can do to manage financial issues

If you need specific assistance for financial abuse (which is a type of family violence) see this page for practical steps


Mental Health 

There are strong links between financial hardship and mental health. The information on this page is very useful if you feel your mental health is suffering.



Facing prison or being in prison can cause significant financial hardship. It is vitally important to take care of your financial arrangements beforehand to prevent serious financial harm. The information on this page will help you get prepared. Further information will be added soon on managing financial hardship in prison and how to manage after you leave.