ALT The rising cost of living is no longer a one-off 'crisis'. It's an everyday reality.

ALT Blue background with a yellow map pin icon at the top featuring the text "citizens advice." Below, large yellow text reads, "Find volunteering opportunities in your local area.

ALT Two orange travel cards, featuring a National Rail logo and a Transport for London logo, are displayed above text that reads, "Save on travel costs if you’re disabled," set against a blue background.

ALT A clear blue sky with scattered clouds and a bright sun partially covered by a blue rectangular box containing the text, "Staying cool in hot weather.

ALT Text reads: "Our top tips to use Buy Now Pay Later responsibly."

ALT Text reads: "Think - would you want the item you’re buying if you had to pay for it in full right now?"

ALT Text reads: "If you make a purchase, set reminders in your calendar on the dates the repayments are due."

ALT Text reads: "Be aware of fees and charges if you miss the payment deadlines. Check the Citizens Advice website for debt support."

ALT Turn the tide: energy, rent, debt

ALT A person in a coffee shop operating an espresso machine. Overlaid text reads, "Do you receive tips at work?

ALT A person is preparing food in a kitchen while another person and a child are sitting nearby on the counter. The text on the image reads, "What is a priority debt?"

ALT Text reads: "Affordability checks. Before you're offered Buy Now Pay Later (BNPL), lenders must check you can afford to pay it back."

ALT Text reads: "Complaints and compensation. If something goes wrong or if a lender hasn’t done what they’re supposed to, you will be able to complain to the Financial Ombudsman Service."

ALT Text reads: "Clearer information. You’ll get details upfront on the agreement, including when your payments are due and what happens if you miss a payment."

ALT Text reads: "Support is available. If you’re struggling financially, lenders must offer you support and direct you to free debt advice."

ALT Text reads: "Domestic violence or abuse incidents can increase during major sporting events. Help is available."

ALT Need help with paying your water bills?

ALT A person sits on a couch, looking thoughtfully at a phone. A warning symbol is displayed along with the text, "Before you take out a payday loan.