If you fall behind with your rent or are worried about your money, call us as soon as you can on 0300 456 2531 and ask to speak to one of our money coaches. You can also email moneyadvice@futureshg.co.uk
• If you're struggling to budget, give our Money Advice team a call to work through your income and outgoings.
• You can also download our weekly spending diary.
Visit the Money Advice Service for information about opening or switching an account.
Have you considered a credit union? They are financial co-operatives owned and controlled by their members. They offer savings and good value loans.
Follow these top tips from our money advisers to tackle debt:
• Don’t panic.
• Write down all your debts.
• Prioritise dealing with debts that could result in you losing your home, going to prison, paying a fine or having your gas and electricity cut off.
• Check that you are claiming all the benefits and tax credits you are entitled to.
• Do not borrow money to pay off debts.
• Get in touch with everyone you owe money to and explain your situation - many companies have procedures for helping people in this situation.
• Always go to court hearings.
• Keep copies of all the debt-related letters or forms you send, complete or receive.
• Find out everything you need to know about Universal Credit here
• Benefit cap, bedroom tax, etc here
• Downsizing: swap your home
• Find out if you’re eligible for more help with this benefits calculator.
• Visit Money Saving Expert for lots of money saving advice and tips.
• Visit the Government’s Money Advice Service.
• Debt advice from Step Change.
• Save on your utility bills with The Energy Saving Trust.
