If you live in Newcastle, start by checking Newcastle City Council’s welfare rights information and Citizens Advice Newcastle for help with benefits, budgeting and debt. MoneyHelper also offers free, impartial guidance online and can help you find suitable debt advice. Have details of your income, regular spending, debts and benefits available so an adviser can understand your situation. If your debts or financial decisions are complex, consider speaking to an FCA-authorised debt adviser or another appropriately regulated professional.