Budgeting Advice

Thousands of people nationwide are eligible for benefits that they don’t realise they qualify for. You may be able to claim one of the following benefits;

Tax Credits (Working and Child) – www.hmrc.gov.uk/taxcredits

Child Benefit – You don’t have to be the parent of the child, if you are responsible for them, you will still be entitled to child benefit.
www.hmrc.gov.uk/childbenefit

Income Support – If your income reduces contact www.direct.gov.uk or your local benefits office.

Job Seekers Allowance – Contact your local job centre

Incapacity Benefit – If you are out of work or you are unable to receive statutory sick pay from your employer you may be able to claim. This will depend on your individual circumstances. www.direct.gov.uk/en/DisabledPeople/FinancialSupport

Disability Living Allowance (DLA) – If you have mobility restrictions you can claim from the age of 5 upwards. www.direct.gov.uk/en/DisabledPeople

Carers Allowance – You can claim if you care for a family member or friend for at least 35 hours per week. www.direct.gov.uk/en/CaringForSomeone/MoneyMatters

Housing Benefit – You may be eligible if you are on a low income or reclaiming other benefits. http://www.dwp.gov.uk/contact-us/local-office-search/

Council Tax Benefit – For people on low income. For further information go to www.direct.gov.uk/en/MoneyTaxAndBenefits

Pension Credit – For people aged 60 and over. You can apply by calling the Pension Credit Application Line on 0800 99 1234 or visit www.thepensionservice.gov.uk

You should also consider how much you pay for household bills. By switching provider you may find that your monthly bills will be reduced, this will help make available surplus cash that you can use to pay your creditors and ultimately pay your debts off sooner.

Look at what rate your repayments are for your mortgage, again by changing mortgage provider you may find that your monthly payments are lower. Using comparison sites such as moneysupermarket.com or uswitch.com will help with your search for providers and also provide a guide as to what you could be paying with that provider.

We have listed below sites that we feel may be of use in reducing your monthly expenditure.

www.petrolprices.com
Find the lowest UK petrol prices in your area.

www.chemistdirect.co.uk
Chemist Direct sell discounted health and toiletry products.

www.shoe-shop.com
Footwear for men and women with regular clearance lines offering reduced prices.

www.mysupermarket.co.uk
Save money on groceries.

www.vouchercodes.co.uk
Save money with free discount codes.

You can complete our contact form and one of our experienced advisors will call you back or you can call our freephone 0800 473 0636.