You are not alone.

One in seven people in the West Midlands fear they won’t be able to afford to pay the rent or mortgage at the end of this month. Yet many people in this situation would feel too ashamed to ask for help.

Shelter’s helpline receives too many calls from people in desperation, and on the brink of losing their home, because bills and notices have been left unopened and problems have piled up.

This January Shelter are encouraging those at risk to seek advice from them and avoid problems spiralling out of control.

Go to their website or phone 0808 800 4444.