The festive season is meant to be a time of joy, but for those facing rent arrears, it can bring added stress and anxiety. However, there are steps you can take to navigate this challenging situation and ensure that the festive season remains a time of warmth and togetherness. In this article, we’ll explore practical tips and resources to help you manage rent arrears during Christmas.

Communication is Key

Initiate open communication with your landlord to discuss your financial situation. Some landlords may be willing to negotiate a temporary rent reduction or agree to a realistic repayment plan. Communication is key to finding a mutually beneficial solution.

Create a Budget

Take a close look at your finances and create a realistic budget for the festive season. Identify essential expenses and prioritise them over non-essential ones. Cutting back on discretionary spending can free up funds to address rent arrears. Use our budgeting tool to help you create a realistic budget tailored to your circumstances.

Understand Your Tenant Rights

Understanding your rights as a tenant in the UK is crucial to know at this time of year, especially for those in rent arrears. It empowers you in discussions with your landlord and ensures you’re aware of legal protections that may offer support during a financially challenging time.

Explore Financial Benefits

You may be entitled to certain benefits that can provide additional assistance while you are facing rent arrears during the Christmas season. You can check to see if you’re eligible for any form of financial benefits here.

Community Resources and Charities

 Many local communities and charities offer support during the holiday season. Research local food banks, charities, and community programs that provide assistance to individuals facing financial difficulties. These resources can provide essential relief during challenging times.

Enrich Moments Over Expenses

Remember that you can embrace the spirit of Christmas without breaking the bank. In the face of financial challenges, don’t lose sight of the real magic of Christmas—simple moments with loved ones. Christmas can be rich in spirit, even when our finances are facing difficulty.

Seek Help and Advice

Remember that there is much help and advice available if you are worried about or struggling with rent arrears. Here at Citizens Advice Cardiff & Vale, we provide free, confidential, and impartial information and advice to residents throughout the whole of Wales and are here to support you with any questions or challenges you may encounter.


Taking these proactive steps can make a significant difference in overcoming rent arrears and enjoying a more secure and stable holiday season.  Facing rent arrears during Christmas can be challenging, but with the support of Citizens Advice, you don’t have to navigate these difficulties alone. For jargon-free help and advice, please Contact Us here.

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