The colder months can put additional pressure on household finances, especially as energy bills have now gone up by 10 per cent and the temperatures are continuing to drop.
However, winter also tends to increase the chances of boilers breaking down or essential appliances such as cookers or washing machines going on the blink.
Replacing white goods can be costly, but no matter what your income levels are, your local council may be able to help if you find yourself in an unexpected situation that puts more strain on your finances.
Something as simple as asking for your next Council Tax payment to be put on hold could provide immediate relief from money worries - just phone your local council and explain your situation.
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