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Managing your money

You may be concerned about managing everyday costs. You are not alone, we’re here to help you or point you in the right direction for independent advice and resources.

We're here to help you

Many people feel under pressure financially, from rises in daily living costs in recent years to dealing with debt. Here at Sainsbury's Bank, we know how important it is to get the right information into your hands. You can find guidance on next steps in our FAQ pages, or links to independent advice and resources.  

Frequently asked questions

If you're going through a hard time financially at the moment, and you're worried about your payments, we want to help. We’ve started by bringing together a common list of questions, and what to do next.


StepChange provide free, flexible debt advice, practical help and guidance for however long it’s needed. Whether you need budgeting tips or free debt help, you can be confident that they can provide the support you need to achieve long-term financial control. 

A few points to remember when seeking help

Professionals or organisations you speak to while seeking financial advice will:

  • Never judge you or make you feel bad about your situation
  • Always be happy to talk to you, however big or small your problem might be
  • Find ways to manage your debts even if you think you have no spare money
  • Suggest ways to deal with debts that you might not know about.

We hope the information and support on these pages will help you to feel less stressed or anxious, as well as more in control of your finances again. If you're worried about missing a payment or that you may be in financial trouble then there are lots of ways we can help you, please contact us on 0800 085 6934 and we can discuss options. Lines are open 8am-8pm Monday – Friday and 8am-4pm Saturday.

Please remember, when seeking advice from other professionals, that debt advice is confidential and this won't affect your credit file or involve a credit check.

Looking for help with persistent debt?

If you’ve received an email or letter about persistent debt, you may be feeling worried. As a responsible lender, we aim to help credit card customers in this situation avoid long-term debt. If we identify that you are in persistent or long-term debt, we’ll get in touch to let you know and give advice.  We’re here to help, and we have a page dedicated to all you need to know. 

Are you worried someone else is controlling your finances?

If someone else controls your finances without your consent and won’t let you have your own money, this is known as financial abuse.

If someone has pressured you into taking out a card or loan in your name, or you’ve noticed transactions on your account that you didn’t make, this could be financial abuse.

If you're worried this is happening to you or someone else, there are signs to look out for.

There is further support and helplines where you can talk things through and get some practical advice.

Download this useful guide from UK Finance for further help

UK Finance It's Your Money (PDF, 3,300 KB) opens in new window  – how financial services firms can help if you’re a victim of financial abuse.

You can also call us on 0800 085 6934 if you're worried about financial abuse.