People who are concerned about managing their money over winter are urged to get help.
Lloyds Bank is offering a number of services including support for mortgages, expenditure forms and account reviews to help those who are struggling.
It comes after an increase in interest rates, mortgages and household bills.
They are also offering budget plans to find out what areas people are spending more in and where they can save.
Earlier this month Douglas Council held a cost-of-living workshop which the bank attended.
Natasha Morrison is a personal banking manager and spoke to Local Democracy Reporter Emma Draper:
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