At People's Charity, we understand that debt can be a stressful and overwhelming experience. However, it's important to remember that you are not alone. Many people struggle with debt, and it's nothing to be ashamed of. In fact, we believe that we should all talk about debt more to take away the stigma associated with it. By talking openly about our struggles, we can support one another and work towards finding solutions.


While it may be difficult to face your creditors and negotiate repayment terms, it's important to remember that they want to work with you. They would rather receive some payment than none at all. Don't hesitate to reach out to them and explain your situation. You may be surprised at how willing they are to help.


It's also important to take care of your mental health during this process. The stress of debt can lead to feelings of isolation and depression. If you're feeling overwhelmed, reach out to a trusted friend or family member. You can also seek professional help. At People's Charity, we offer resources and support for those struggling with debt.


Remember, debt is not anything to be worried about as long as you are trying to negotiate repayment terms with your creditors. You don't have to face it alone. We at People's Charity are here to support and guide you through this process. If you require our help or want to reach out to us about anything then please get in touch


Email the team at: admin@peoplescharity.co.uk

Call: 0300 365 1218 [freephone]


Get in touch today and our kind and understanding team will contact you back



Also take a look at some of our template forms below and if you wish to use any of them completely free just click to download the form:

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CLICK HERE TO DOWNLOAD OUR INCOME AND EXPENDITURE FORM

Website: www.peoplescharity.co.uk

Email: admin@peoplescharity.co.uk


People’s Charity 

Unit 15 A&B

Glanaber Trading Estate

Rhyl

Denbighshire

LL18 2PL


Registered Charity No: 1201376

                                                              Updated April 2023
  Financial Policy


**Income and Expenditure Form** - [EXAMPLE]


**Personal Information**

- Name:

- Address:

- Phone Number:

- Email:


**Income**

- Salary/Wages: £

- Self-employed income: £

- Pension: £

- Benefits (e.g. Universal Credit, Child Benefit, Tax Credits): £

- Other income (e.g. rental income, investments): £

- Total Income: £


**Expenditure**

- Housing (e.g. rent/mortgage, council tax, utilities): £

- Food and Groceries: £

- Transportation (e.g. car payments, insurance, petrol, public transport): £

- Insurance (e.g. health, life, home): £

- Debt Repayments (e.g. credit card, loans): £

- Entertainment and Leisure (e.g. dining out, hobbies, holidays): £

- Children/Dependents (e.g. childcare, school fees): £

- Other (e.g. clothing, personal care, gifts): £

- Total Expenditure: £


**Summary**

- Total Income: £

- Total Expenditure: £

- Surplus/Deficit: £


Please note that this is just a basic form and you may need to add or remove categories to fit your specific needs.


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