Managing Debt - Help and Support | Ulster Bank

testMaximise your income - look at the different ways of increasing your household income.

testReview the terms of any Payment Protection policies you might have - it could help cover your payments.

testReview the terms of any other protection policies you have - such as life/mortgage protection or critical illness protection.

testReduce your spending - try to cut out things you don't need, shop around for bargains and keep a 'spend diary'. Visit sites like www.seai.ie for tips on saving energy and www.callcosts.ie for competitive phone and internet connection rates. Ask us about online banking, which will help you budget more effectively.

testPlan a budget - this can be tough, but it can really help you to clear your arrears bit by bit. If you know how much money is coming in and going out, you'll know just how much you need to meet your bills.

testUse our Money Matters guide - Our guide provides detailed support, whatever your circumstances.