so if having done your budget you've discovered the debts that you've got and contractual payments you owe are greater than what you can currently handle with a reasonable budget then we need to get you so extra help because you don't maintain those contractual repayments then some of the pressure and stress that can make debt a really worrying situation may start to creep into your life, maybe it already has thankfully we have cap money plus now cap money plus is a fantastic free debt counselling and debt management service that is available only cap money delegates by having built your budget online you are able to send that information through to one of our head office teams our cap money plus team and they will be able to have a look at that with you they'll be able to advise you whether the income and expenditure that you've got set out on your budget worksheet will be acceptable to them and also how you might be able to get those debts repaid we'll also be able to offer you a system where you can repay those debts through the work we do here at cap be able to give advice on how you handle your priority creditors maybe you've got mortgage arrears, council tax arrears, that sort of thing we can advise you how best to handle that situation can negoitate wth your creditors and get a reasonable and fair repayment plan set up with them we can also advise you, if having looked that the situation it's gunna be a really long debt repayment period for you we can advise you on all the different options available to you through uk law we just also need to point out if you are self-employed, maybe you run your own business or you are a self-employed trades person it may well be that we're not the best people to help you it may be that we can but it may be that you need to go to business debtline who are a reputatable organisation who can help you with your debt problems in the light and context of you being self-employed or a business owner it is really important that you now take the steps to actually refer yourself through to cap money plus this is in your hands if you are a bit worried about it, nerverous or anxious about it, please speak to your cap money coach they understand the cap money plus system, how it works and they can walk you through the process to refer yourself, it is as simple as clicking a button on the internet you simply find the place to refer, click the button all your information will be sent through and we will then be in contact with you to start helping you get yourself back on your feet financially get your debt cleared and hopefully start to live the life you want to live