Some websites of interest are:

www.consumerdirect.gov.uk funded by central government which gives general advice on such things as borrowing, credit cards, loans and online shopping. A telephone service is also available: 08454 040506.

http://www.moneymadeclear.org.uk run by the UK's consumer financial education body (CFEB), which provides general information on money matters and enables you to work out such things as your budget and whether you can afford a loan.

www.adviceguide.org.uk belonging to Citizens Advice which has useful sections devoted to ‘your money’ and ‘your daily life’. Lincolnshire CABs can be contacted on the county advice line 08444 994199.