For a lot of people, living with debt has become a fact of life. But even though debts are very common, they should never be ignored.

By addressing your debts and managing them better, you may also be able to bring your repayments down and take steps to eventually becoming debt free.

Rob Sandalls works for the Consumer Credit Counselling Service (CCCS), a registered charity which offers free, confidential advice and support to anyone who’s worried about debt.

Rob Sandalls gives his top tips on how to manage your debts.