try to secure grant funding to help with your utility bills
help you find ways to heat your home more cheaply
show you how to improve your credit rating so you can access better rates on costs you incur
find deals and incentives where you get paid to switch providers or banks
secure support from our partner agencies locally
help you manage any debt.
I do receive some benefits
If you are finding it difficult to balance your income and expenditure, we can provide support and assistance.
You might have only recently claimed benefits and are finding it hard to budget with a very basic income. If you have been receiving benefits for some time, then please access our benefits calculator to check you are claiming everything you can. The system might have changed since you last applied.
Miss A is a single mother with two children, she has just separated from her partner. When we met with her, the only income she had was Child Benefit and she had been left with quite a lot of debt in her name following the end of the relationship. Her tenancy was at risk due to very high rent arrears. We have carried out a few potential Universal Credit calculations for the Miss A and explained that the best scenario would be for her to work part time. Miss A has managed to find part time job to maximize her income. She is now managing her finances and working on paying off the debts.
Case study 2
Mr C, an elderly single man, alcohol dependant, with lots of debts. Mr C has disability and is in receipt of Universal Credit and Personal Independence Payment. His tenancy was in risk due to very high rent arrears and non-priority debts. Mr C was under a lot of stress and pressure from his creditors, and this was having an impact on his addiction. Mr C’s mental health significantly deteriorated up to the point that he needed to have weekly visits from his mental health nurse.
We have helped Mr C to manage his creditors, negotiated payment plans on his behalf. We have also identified benefit backdate for him and once he has received the backdated payment, he was able to clear his rent arrears. We have worked with him to look for other support to help with his dependency. With support Mr C engaged with a former employer and has now found employment. Mr C is sticking to his payment arrangements and his rent account is already in credit.
Case study 3
Mr B was referred to us as his Housing Officer, as Mr B was living alone after a relationship break down. We spoke with Mr B at length and noted that he was in receipt of his State Retirement Pension, Pension Credit, and a disability benefit.
Mr B had never claimed benefits himself; his wife had always dealt with these matters but after a discussion we able to advise him he would get full support with his rent and council tax. We guided Mr B though the process and he was awarded Housing Benefit to cover his full rent and Council Tax rebate. We are also now working with the Housing Officer to find Mr B a smaller property so he can begin a fresh start.
Money Advice Referral
Credit Union Account
Basic Bank Accounts
Money Saving Expert
Click here to add your own text
Hear from a member of the Money Advice team
All year round, our Money Advice Team works with people who are facing financial challenges.
Impartial, free and non-judgemental, the team works alongside people to provide a pathway towards a more affordable future.
They can also act as advocates, making applications and writing letters to support people who may feel too overwhelmed to take these steps alone.
Money Advice Manage, Amanda Ryan is on hand, to give you free, expert advice on how to manage your finances.
Get in touch
Get in touch for money advice tailored to your needs and financial position by calling 0330 100 0272 and asking for our Financial Inclusion team.
Click on the different category headings to find out more. You can also change some of your preferences. Note that blocking some types of cookies may impact your experience on our websites and the services we are able to offer.
Essential Website Cookies
These cookies are strictly necessary to provide you with services available through our website and to use some of its features.
We provide you with a list of stored cookies on your computer in our domain so you can check what we stored. Due to security reasons we are not able to show or modify cookies from other domains. You can check these in your browser security settings.
Google Analytics Cookies
These cookies collect information that is used either in aggregate form to help us understand how our website is being used or how effective our marketing campaigns are, or to help us customize our website and application for you in order to enhance your experience.
If you do not want that we track your visit to our site you can disable tracking in your browser here:
Other external services
We also use different external services like Google Webfonts, Google Maps, and external Video providers. Since these providers may collect personal data like your IP address we allow you to block them here. Please be aware that this might heavily reduce the functionality and appearance of our site. Changes will take effect once you reload the page.
Google Webfont Settings:
Google Map Settings:
Google reCaptcha Settings:
Vimeo and Youtube video embeds:
The following cookies are also needed - You can choose if you want to allow them: