Benefits and money advice
When bills start to pile up, it can be hard to see a way out. But with the right support, you can take back control and start tackling your money worries.
Struggling to keep up with bills? You’re not alone.
More than half of UK adults have dealt with debt at some point in their lives. Unexpected life changes can quickly lead to debt problems; from a relationship breakdown to personal illness, reduced hours at work or losing your job. If you think you might have a debt problem, there are lots of people and organisations out there to support you.
Check your financial health
If you’re not sure whether you need financial help or not, check out the 60 second debt test by StepChange. This free online tool will quickly help you understand how close you are to having a debt problem and will advise you on what your next steps should be.
It’s important to know what debts you should pay off first, and more info on this can be found on the StepChange website .
Set a budget
Being careful with your money can really help you to stay in control and keep on top of your bills too and a great place to start is by setting a budget. Our free budgeting tool is anonymous and will help you create a personal budget plan in minutes.
Find out what benefits you can claim
If you’re finding it hard to keep up with your rent payments, you also need to make sure you’re claiming what you’re entitled to. Benefits can pay for all or part of your rent depending on a number of different things. Find out how much you might be able to claim with our free benefit calculator.
Check out free legal advice
Dealing with financial problems can be daunting. But you don’t need to face it alone. If you’re a Home Group customer and your debt problems mean you’re at risk of losing your home, you can get free and confidential legal debt advice from Civil Legal Advice (CLA).
The CLA provides specialist legal advice to people with debt problems. Their team of experts can give you help over the phone or online. In some cases, they might arrange for you to have a face-to-face meeting with one of their specialist CLA advisers. The service is paid for by Legal Aid and is 100% free. Find out more on our legal advice page.
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Planning a budget
Create your own personal budget with our easy-to-use budget planner.
Our benefits calculator will help you find out what benefits you can claim.
Talk to our financial inclusion team
Our advisors are trained to give free, one to one support, if you're worried about money. If you're struggling to pay your rent, looking for benefits advice or help with budgeting then give us a call. They can even help you find free clothing and interview coaching.