People appear to be getting a better handle on their financial situations. 

The latest Centrix figures for July show overall the number of people behind on their payments fell month-on-month by nine thousand to 456 thousand. 

Chief Operating Officer Monika Lacey says there's also positive signs when it comes to those who are several months behind. 

She says that number is decreasing too, which indicates people are starting to manage their financial positions quite well. 

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