I was about to be made homeless – a little-known scheme saved me and now I run my own business...

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Prompt: Scene 1 - Struggling with debt can be incredibly stressful, but there are a number of methods you can use to get you on the way to paying it off. Scene 2 - However, there are tactics you can use - and extra help available - that could help you become debt free. Scene 3 - Make a budget.

A CLOTHES SELLER was on the brink of being evicted from his home before discovering a "life-saving" scheme - and now he's a successful business owner.Len Blackwood was almost made homeless before a scheme saved him and his familyFormer Gatwick baggage handler Len, from Lewisham, was diagnosed with early onset arthritis in his knees caused by decades of lifting heavy baggage, which meant he was forced to take time off work.

I have a council house even though my husband and I both work full-time - we get Universal Credit too, I get trolled but I'm not embarrassed "I didn't know what to expect when my friend referred me to Lewisham Plus, but they were so helpful with my housing situation and very kindly came to court to vouch for me," Len said.

Credit unions allow members to borrow money at a very low cost compared to mainstream lenders or expensive payday lenders. Credit unions' popularity has steadily increased over time, with the organisations collectively lending over £2billion to members in 2022, up from £1.6billion in 2019.Members' money is protected up to £85,000 if a credit union goes bust through the Financial Services Compensation Scheme .YOU might consider using a credit union if you have a poor credit score and are struggling to borrow from other lenders or can only get loans with high interest rates.

 

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