Depending on the nature of your financial problems, you could improve them with simple tricks such as creating a household budget and sticking to it, or by looking at saving a small amount each month to go towards an ‘emergency fund’ to help you cope with what life throws at you. Try using the Piggybank Technique to save for different things in different accounts so you always know how much money you have for each goal, such as a holiday, new car or wedding.
If your money worries are bigger and you are trying to juggle debts with high interest lenders such as credit cards, or payday lenders, you should perhaps look at a debt consolidation loan to help structure your payments and improve your cash flow. Even if you have a bad credit rating, you can get help – talk to East Sussex Credit Union about a loan and see if they can help you, as they look at your ability to pay, not just your credit history.
If you think your financial situation is impacting on your health, act now and get help.
For impartial advice on your money situation, you can talk to:
The Money Advice Service – ‘Talk to MA’ • Tel: 0300 500 5000
A service , set up by the government which offers free, impartial and independent advice on almost any area of life related to money. They provide a lot of self help information at their website or you can call them – no strings attached! Website: www.moneyadviceservice.org.uk
East Sussex County Council
If you think you might be entitled to benefits or are already receiving benefits call the Welfare Benefits helpline on 0333 344 0681 or visit the webpage for more information.
Citizens Advice Bureau • Tel: 08444 111 444
The CAB offer advice services for all sorts of issues via their website or through your local CAB office by appointment. Take a look at their website for general advice and local office details – www.adviceguide.org.uk
National Debtline • Tel: 0808 808 4000
The helpline that provides free confidential and independent advice on how to deal with debt problems. Website: http://www.nationaldebtline.co.uk/
There is also the Discretionary East Sussex Support Scheme for people that find themselves at crisis point. Website: Website: www.eastsussex.gov.uk