What help is out there?
It might seem a long way off but it is less than 100 days to Christmas.
We always see a dramatic increase in people seeking our help in the aftermath of Christmas due to debts accumulated over the holiday.
As it can be a difficult time financially for many, we want to be one step ahead and let you know about help available now.
While most charitable funds do not provide specific grants to help people meet the costs of Christmas, some may consider applications of this nature, depending on your particular circumstances and background.
Others might give grants to help with basic needs, which could free up some of your money to pay for Christmas expenses.
Use the Turn2us Grants Search to find charitable funds that you or your spouse/partner has a connection with.
The Salvation Army
These gifts are distributed through their own local networks and via health visitors, social services, and other local agencies.
Crisis is a national charity that provides a variety of services for those suffering with homelessness including employment, education, housing and well-being programmes.
At Christmas they open special residential and day centres across London to help people in need.
The Samaritans provide confidential non-judgemental emotional support 24 hours a day.
They can help people who are experiencing feeling of distress or despair.
Local social service duty teams may be able to provide emergency help. Contact your local council to find out how to access them.
Local radio stations often have a community desk that can put you in touch with sources of help.
Your local Citizens Advice bureau will be able to provide information, advice, and signposting to services that may be able to help. Use the Find an Adviser tool to find your nearest bureau.
Local schools, churches also often provide help over the Christmas period.