Debt Health Check

It is sometimes difficult to recognise that you need help in managing debt. Complete our 10-step questionnaire to get an indication of how serious your money worries might be and how you can take steps to get debt under control.

Take our 10-step questionnaire

The Debt Health Check is part of the National Debtline website, supported by the Scottish Government, providing free and impartial money advice.

If you have any money worries call National Debtline on 0808 808 4000

Or email us for advice

10-Step Guide

1 of 10

Do you feel that your finances are under more pressure than they were say 12 months ago?

Certainly things are more expensive, but I'm not really too worried at the moment. I'm starting to think that financially things are getting increasingly tough. Yes I'm really finding it hard to make ends meet, I feel things are out of control.

2 of 10

If you are worried about money problems who do you turn to?

I'd speak to my family or friends they would know what to do. I would not want to share my debt problems with anyone else, it's private. I'm not sure who to seek help from and who I can trust.

3 of 10

Have you found yourself recently thinking about any of the following options?

I'm going to have to give up eating out or enjoying the occasional treat. I'm worried about the cost of Christmas or birthdays. I'm not going to be able to afford to take a holiday next year. All of the above. None of these apply to me.

4 of 10

Does your financial situation affect your general wellbeing?

No. Occasionally. All the time.

5 of 10

Have you ever argued about money worries with your partner or family?

No. Yes, occasionally. Yes, it seems to be becoming a bigger issue.

6 of 10

How do you usually pay your credit card bills?

Pay in full. Pay only the minimum. Pay another amount.

7 of 10

Have you missed any of the payments you are supposed to make on your credit cards, store cards, loans or mortgage in the last six months?

Yes, more than two. Yes, but just one or two. No.

8 of 10

Have you needed to borrow money without being sure how you are going to pay it back?

Yes, occasionally from my family or friends. I have had to dip into my savings, or extend the mortgage or take out a loan. Never.

9 of 10

Do you regularly take cash advances on your credit cards?

Yes. No.

10 of 10

Have you ever been tempted to take out additional loans to cover payments you are supposed to make on existing loans or to cover the cost of living?

Yes. No. I'm considering doing this at the moment.

The debt health check is designed to give general guidance. It might not always accurately reflect your personal financial circumstances. If in doubt, ring us and we will be happy to chat to you about your particular circumstances.

Site information

National Debtline is run by the Money Advice Trust, a charity funded by the Government and the private sector.