If you are in debt and feel like you cannot cope, please know you are not alone, and this can be sorted out. Free, non-judgemental help is available, and there are calm first steps you can take today. When debt builds up, it can feel like it is taking over everything. If you are at that point, take a breath. Things can get better, and you do not have to face this on your own. First, be kind to yourself Money worries can affect how you sleep, how you feel and how you cope day