For people in debt

CASHflow is an online tool that can help you to do your household budget and work out how much you can afford to repay towards your debts.

Before you can use CASHflow, you will need to contact a free debt adviser who can help you to decide if CASHflow is the right option for you. If you decide to use CASHflow your adviser will send you an invitation to set up your own account and complete your budget.

Once you and your adviser have agreed your budget they can CASHflow it and the CASHflow logo will appear on it. You can then share it with your creditors and they will know you have had support from a trained debt adviser. You can use the CASHflow sample letters to write to your creditors and make offers of repayment.

If you would prefer to, you can give your creditors permission to view your CASHflow budget online. This can help to speed up the process and save the need for you to print and send out letters to them.