SAIL is an advice service dedicated to all seafarers and their families across the UK which includes RN Service personnel and their families. SAIL can provide support on a wide range of topics including housing, benefits, consumer issues, work, charity grants and money worries. 

If you’re worrying about money, SAIL can advise on debt or give you help on how to manage your finances better. All SAIL advisers are fully trained to give debt advice and help you find the best way out of your money problems.

Some of SAIL's key money worry tips include:

• Don’t ignore the problem as it will probably get worse
• Do get help as soon as possible, but
• Don’t ever pay for debt advice
• Do get all your statements together so you know your situation
• Do keep speaking to your creditors
• Do deal with the most important debts first — rent & mortgage arrears, utility & council tax debts, court fines.