Whether you need support with budgeting, finding out what you're entitled to or simply getting the best deal, we can help.
Please click on the headings below for more information.
If you need more information, please get in touch using our online form below.
Coping with a change in your finances can be a stressful time, but there’s help available.
For personalised guidance on benefits and debt options from one of our Money Advisors, please visit our Money Advice page.
Here are some other tips that you might find useful:
Speak to someone
- If you’re in a crisis, contact your local council who can help you find local support, such as a hardship grant or a Foodbank.
- Let your landlord, creditors and bank know that you’re facing financial difficulty and if you may have trouble meeting payments on time.
- Contact your water and energy suppliers, as they may be able to temporarily freeze your payments or offer you a better tariff.
Take back control
- If you haven’t done so already, do a budgeting plan to reassess where your money goes. The national Money Advice Service have a free, online financial health-checker tool that you can access.
- After budgeting, you’ll know what you have left to pay off any debts. There are several ways to go about this. You can read about your options here, on the Debt Camel website.
- Start an emergency fund – you may not be able to do this right away, but if you can eventually start saving a small amount each month, you’ll have some money to fall back on if something unexpected happens, without having to borrow further.
- Make sure you're getting everything you're entitled to, whether you’re currently working or not – the government website has several free, online benefits calculators to use.
There are free courses that can help you – Academoney by MoneySavingExpert is provided jointly with the Open University.
Getting an accurate and realistic budget takes time – try these out:
- Gather all the information you think will help – bank statements, bills, receipts and keep them all in one place such as a large folder or envelope.
- Don’t forget about smaller items – these can quickly add up. A spending diary is a great way to check these.
- Remember occasional costs, e.g. birthdays, repairs, new shoes – it’s these costs that tend to cause problems if you’ve not budgeted for them.
- Do your budget with a friend or support worker– use someone else to help you think through everything and to give you encouragement.
- Ask for help if you need it– there are lots of organisations who can offer free and independent advice to help you work out your budget.
The Making Money Count website also has free, impartial advice on becoming a savvy shopper, planning ahead, finding the best current or savings account and making your money go further.