Debt can be a greater problem at Christmas. Photo: Nik Shuliahin

MABS want to support you this Christmas

Traditionally Christmas is a festive season and many people will plan their celebration over the coming weeks. This year is particularly challenging due to coronavirus.

When we struggle all year round, with little cash to spare, we often feel we need to take a break at Christmas – we want our children and our loved ones to have the best. But that doesn’t mean spending a fortune. Be open with your family – even Santa has been affected this year!

Talk to your friends and family – do you need to exchange gifts at all?

MABS are aware of the financial challenges many people are facing and they are here to support you and your family.

MABS, the Money Advice and Budgeting Service, is the State’s only free money and debt advice service. They work with all kinds of people who may have all kinds of personal debt. Their service is fully funded by the Government, making it completely free. The service is independent, with no links to any banks or credit unions, and all your dealings with MABS will be confidential.

MABS works with people who may be struggling with debt or who need help in managing their money. They also talk to Government and lenders to find better solutions for those who have money problems, as well as developing tools and resources to help people avoid getting in over their heads. MABS does not give out any money – instead, they work with clients to ensure that they are getting all income they are entitled to, that they are getting the best value out of this income, and in working out sustainable payment plans with creditors, where debt becomes a problem.

Some of the areas their money advisers work with clients with personal debts includes: mortgage arrears, personal loans, utilities arrears, credit card debt, rent arrears and legal moneylenders.

There are more than sixty offices all around the country. Contact your local office on:

Cork city – 0761-072090

Dunmanway – 0761-072450

Mallow – 0761-072440

Charleville – 0761-072420

The website is mabs.ie and the helpline can be contacted Monday to Friday, 9am to 8pm, on 0761-072000.