Money, debt and benefit advice

Money

You can get advice and help with money from the following organisations.

Ways to save money

Here are some schemes and information which may help you save money.

Emergency financial help

There are several ways to access financial support in an emergency.

  • Discretionary Crisis Fund - if the unexpected happens and you suddenly find yourself in difficulties, you may get help through the Discretionary Crisis Fund.
  • Discretionary Housing Payments - an emergency payment to help you with your rent or housing costs.
  • Don't use loan sharks, they're illegal moneylenders who often charge very high-interest rates. Find out more about spotting or reporting loan sharks.
  • Don't get into debt you can't manage.  Too much debt can cause problems in the long term so take care when thinking about a loan. Make sure that you can afford to keep up the repayments and that the interest rate is affordable.
  • Take the Money Helper debt test - to find out how likely you are to have problems with your borrowing over the next year or so.
  • Fair For You - a registered charity that helps people from lower-income families gain access to affordable credit to purchase goods for the home. You buy directly from the manufacturer and take out a loan from Fair For You, then pay later in weekly, fortnightly or monthly instalments.