Money and debt

We can offer specialist advice to help you claim the right benefits and tax credits – and can help to explain everything from the benefit cap to bedroom tax. 

There’s information and guides on how to manage debt or get more support with your finances. And we have some practical, step by step tips for making a budget to help you keep on track. 

Our ‘managing your money’ page tells you more about basic bank accounts, credit union loans and gives links to some great websites to help you make your money go further or save on household bills. You might also like to find out more about lowering your fuel bills and boosting your credit rating. 

Welfare benefits advice

Get specialist advice to claim benefits and tax credits – or challenge a decision. This page includes useful information and links on Universal Credit, bedroom tax and the benefit cap. 

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Debt and money worries

Find information and links about managing debt, making the most of your money and getting more support with your finances. 

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Managing your money

A directory of financial services, information and support: from basic bank accounts to credit union loans, spending to borrowing, plus home contents insurance and reducing household bills. 

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Making a budget

Download our monthly budget planner or follow the practical steps on this page to work out where you’re over-spending and how to make your money go further, plus personal support if you need it. 

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Boost your credit rating

Five ways to improve your credit score and make it easier to open a bank account, shop online or get better mobile phone, gas and electricity rates, and obtain cheaper credit (if appropriate).  

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Lower fuel bills

Help’s available from your supplier or Sovereign if you’re struggling to pay your energy bills. See links to grants and schemes, plus what to do if your energy supplier goes out of business. 

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