Your home and neighbourhood

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Managing your money

We all struggle financially from time to time so it’s good to get expert advice and support – accessing up to date information which is practical, realistic and related to your own specific circumstances.

To help you understand your finances and keep yourself on track why not give one of the benefits and budgeting calculators on the governments website a try!

Our financial inclusion coordinators are also on hand to assist you with all things financial and hold a weekly ‘Money worries’ drop-in, every Monday from 9am – 12pm at the resource centre which is next to our offices in North Street; you can also contact them by calling 01903 703 110 or emailing them at financialinclusion@worthing-homes.org.uk.  They have also put together the following factsheets to help with any questions you may have:

 

For help with managing your money and saving take a look at Boom – a credit union for people who live or work in West Sussex, Surrey or Kingston. They give local people access to fair and affordable loans, savings accounts and prepaid cards. If you would prefer to see them in person you can find them at 129 Montague Street, Worthing, West Sussex, BN11 3BP

Benefit and welfare Advice

For general advice on benefits take a look at the Citizens Advice benefits page as this will give you information on the various different benefits and includes links to calculators.

You could also speak to Turn 2 us, a national charity that helps people in financial hardship to gain access to welfare benefits, charitable grants and support services – online, by phone and face to face, through partner organisations and our volunteers.

 

Debt Advice

Facing up to debt is never easy, but it is important. You don’t have to panic about debt problems, but you mustn’t ignore them either – they won’t go away!

Late payment charges and interest payments can make your debts increase, not decrease, so seeking advice and sorting things out as quickly as possible is essential. So gather up all your financial information and contact an experienced sympathetic adviser from one of the following organisations:

The Money Advice Service
Whatever the situation with your finances, it’s good to know you’re on top of things and are making the most of what you have.

The Money Advice Service is here to help. It offers clear and unbiased money advice and information to help you make the most of your money, whatever your circumstances – and it’s free.

The Money Advice Service is independent and unbiased so it won’t recommend any particular products or try to sell you anything. It was set up by government and is funded by a levy on the financial services industry.

You can access their services in three ways:

  • online on the Money Advice Service website;
  • over the phone – call the number below and speak to a money adviser for unbiased advice on your money issues (call rates may vary);
  • face to face – if you find that speaking to a money adviser on-line isn’t enough, you can request a face to face appointment by calling the number below.
Debt advice locator
Find out where to go to get free debt advice using the MAS debt advice locator tool.
Money Health Check – get started today
A good place to start looking at your money situation is the health check. Take less than 10 minutes to answer some easy questions about your attitude and behaviour – no need for bank statements or any other paperwork – and you’ll get an action plan with three high priority actions and a list of others to take when you are ready. Each action has a drop down telling you HOW to do it, not just WHAT to do. Why not have a go right now: visit the Money Health Check website.
Stepchange
If you are looking for some help to become debt free, visit the Stepchange debt charity website.

Stepchange are a registered charity who have been providing free debt advice to people all over the UK for more than 15 years. To find out how they could help you, use the Stepchange Debt Remedy online tool for an instant assessment of your current debt situation complete with a personalised budget.

The National Debtline
The National Debtline is a telephone helpline for people with debt problems in England, Scotland and Wales. The service is free, confidential and independent. National Debtline is part of the Money Advice Trust, a registered charity. The service provides self-help advice to its callers and also publishes written self-help.
Payplan
PayPlan have been helping people in debt situations for over 20 years, and during that time they’ve developed a wide range of practical, long-term solutions that can not only help to manage your debt, but also enable you to live your life. Why not start by filling out their online self referral form to see how they can help you!
WSCC Local Assistance Network Link
The Local Assistance Network will provide immediate short-term aid to help protect a person’s welfare by preventing a crisis. Visit the  Local Assistance Network website for more details including information on food banks.
The Frontline Project
The Frontline Project can help you review your financial situation and give advice on claiming a range of benefits. They are based at the River of Life Church, 19A Broadwater Road, Worthing. Please visit their website contact page to book an appointment. You may need to leave a message and they will contact you.
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