Managing your money
Wages - When you're earning it's your 'net' wage that is your 'take home' pay - national insurance and income tax payments will have been deducted first.
Student finance - As a student in higher education you'll get financial help - but you'll need to repay your loans when you graduate and are earning over a certain amount.
Debt - Is a growing problem for many people and not only those with low incomes.
f you're under 18 you're not technically liable for any debts that you might incur as you need someone over 18 to act as a guarantor – your debts become their responsibility.
It's very easy now to get a store card or 'credit' but you can run up debts if you overspend on it or lottery scratch cards.
Getting help
Citizens’ Advice Bureaux and benefits advice centres often have debt counsellors and money advisers see adviceguide for local centre addresses.
National Debtline has a Freephone number 0808 808 4000 that provides free confidential and independent advice on how to deal with debt problems.
For help with gambling try gamcare tel: 0845 6000 133.
You can use the library in your Connexions Centre too as it has information for you to read or take away. You could also got to Weblinx for more useful websites.