Households will be tightening their finances as the cost of living crisis takes hold, but what happens if you're already in debt - and is there any support you can get as bills mount?
It's a question millions of us will be asking over the next year, as inflation wipes out any increases in earnings and everything from energy to food starts to rise upwards.
In this week's Cost of Living: We're Here to Help Facebook Live, The Mirror's Levi Winchester will be joined by one of our personal finance panellists Mrs Mummypenny.
Lynn James, as she's also known, gave up her corporate job in 2015 to launch her own money blog.
Excited for her new venture, Lynn gave up her finance career, and began her business under the name of Mrs Mummypenny.
Lynn will be discussing debt and getting back in control of your money live on The Mirror's Facebook page at 1pm today.
Send us your questions in advance at mirror.money.saving@mirror.co.uk
But the huge pay cut quickly spiralled into £16,000 worth of debt - with Lynn using credit cards and loans to get by.
"Within 18 months the redundancy money was gone, and I feared the credit card debt that was building up," Lynn said.
"I took my head out of the sand after a moment of clarity turning 40 (and after a big party and holiday) and added up the balances on my four credit cards. My credit card balance was £16,000.
"I felt sick, how could I have got so carried away with spending and got myself into such a precarious position."
But after putting together a strict payment plan, Lynn slowly got back on her feet.
"I started with my budget and found big monthly savings. Every bill was renegotiated and stripped back to basics, energy, broadband, mobile phone, insurances. Any non-essential bill was stopped whilst the debt was being repaid," she said.
"There were plenty of ups and downs, magical months where I managed to pay off big chunks of the £16,000, getting my balance to below £10,000 and then below £5,000.
"But there were also dark times where it felt like the longest journey ever, where my debt balance went backwards, and I would beat myself up with feelings of failure.
"But I kept going, kept growing my business, sharing my story and month by month reducing that debt. I made the final large repayment, two years after I first tackled my debt, of £1,000 on April 29, 2019 and became credit-card free."
Lynn says facing your debt is the first step to overcoming it. She'll be joined by The Mirror's Levi Winchester live at 1pm today, answering all your questions on The Mirror's Facebook page.
Send us your questions in advance at mirror.money.saving@mirror.co.uk
