"The most stressful time was when my bank statement would come through the letter box," Jay says.
"I had to apply for Universal Credit in the meantime, but the application takes time and that was a worry too." Jay helped care for his son when he lost his job but as he had a little time on his hands, he watched YouTube videos and taught himself how to create a website.IF you're in large amounts of debt it can be really worrying. Here are some tips from Citizens Advice on how you can take action.
"It was something I'd wanted to do for a couple of years but working full-time I'd just never had the time. This gave me the push to do it.
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