Start by listing your essential bills, debts and income, then plan spending around your Universal Credit payment date. If deductions, arrears or unexpected costs are making things difficult, check GOV.UK for information about budgeting advances, payment arrangements and available support; any application is assessed by the Department for Work and Pensions based on your circumstances. You can also speak to your work coach through your Universal Credit journal and get free, impartial guidance from MoneyHelper. If debt is becoming unmanageable, a free debt adviser can help you consider your options.