Smart ways to save money

Remember you’re not alone, we've got lots of money and benefits support to help you, and our tips are a good place to start.

1. Find out what you're entitled to

Check what benefits you could claim using our handy tool.

2. Create a budget

Budgeting will show you how much money you have coming in and going out each month, help you to save and get on top of things

3. Plan ahead

Make sure all of your rent payments are up to date and try to pay a bit extra where you can to build up credit on your account. Every little bit helps and it's better to start early before a more expensive time of year like winter comes around

4. Set up a direct debit

It's one of the safest and easiest ways to pay your bills, plus you can set up the payment to come out at the same time each month, helping you to budget better. If you'd like to pay your rent using direct debit, you can set this up using My Home Account.

5. Find out about credit unions

If you're thinking about getting a loan, it's always important to think about your options and get independent financial advice. If you do decide to go ahead with a loan, remember credit unions can be a better option as they charge lower rates of interest..

6. Save money on food

Simple steps like creating a meal plan and making a shopping list so you only buy what you need can really help. Remember, bargains are only a bargain if they're on your list.

7. Speak with our financial inclusion team

Our team can give you info tailored to your circumstances, and help with things like:

• Claiming benefits
• Budgeting and saving
• Filling in forms
• Universal Credit journal updates

It's not always easy to talk about money but our team are specially trained to support you. You can have a one-off chat with them or arrange regular catch-ups to help keep on top of things.

Call them on 0345 141 4663