Five steps to get on top of your borrowing

For most people, borrowing is a useful tool to help them deal with the unexpected: they have it under control and pay off what they owe in plenty of time. However, for others, borrowing has become a problem. A recent survey revealed that one in three people worry about what they owe - and more than one in ten say they worry about it all the time. Debt leaves half of these people unable to sleep, and a third say their relationships are under extreme strain because of it.

If debt has started to worry you, there are five steps you need to take to help you get back on top of your borrowing.