Make a fresh start - Get your finances heading in the right direction

Signpost croppedWe’re encouraging people to take a ‘financial health check’ to get their finances in order; reviewing where they can make savings and getting on top of any debts.

Looking at how you spend your money and where you can trim back will help you plan a budget that meets your daily costs.

It can also help you build up savings so you’re prepared for any sudden changes, from one-off expenses like replacing a washing machine to a change in your employment.

We can help you sort out your debts and give you the knowledge and tools to plan your budget and achieve a more financially secure future.

 
Get started today…
 
take our financial health check…

 

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Blitz your budget

Get a clear idea of how much you spend. Some bills vary from month to month, so take an average of these outgoings and use it to build a realistic budget.
The Citizens Advice budgeting tool can help. Go to citizensadvice.org.uk/debt-and-money/ for more.    
 

 

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Get the best deal on your energy

The best energy deal for you depends on anything from the size of your home to the time of day you use the most fuel. To work out if you can save, use the free Citizens Advice energy comparison tool: http://energycompare.citizensadvice.org.uk
 

 

Water down your water costs

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Smaller households may be able to save money by moving to a water meter. With a meter, you only pay for what you use. Work out if you could save by visiting: www.ccwater.org.uk
 
If you're a Wessex Water customer in Wiltshire and struggling to pay your water bill, we've additional support we can offer, go to struggling-with-your-water-bill to find out more.  
 


Diarise your contracts

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Unless you’re buying an upgrade, things like broadband and mobile phone services can’t be switched until your contract ends. Put contract due dates in your diary - this is your chance to see if you can get a better deal elsewhere.
 

 

Sort out your debts

paper and pen heritageblueMake a list of your creditors, how much you owe and when you need to pay it back. Refer back to your monthly budget and see what you can afford to pay. If you can’t afford them all, visit the website www.citizensadvice.org.uk for information on which debts should take priority, and negotiating with your creditors. Or call us on 03444 111 444 or drop into your local Citizens Advice office.  

 

Maximise your income

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Overpaying taxes and not claiming what you’re entitled to can have an impact on your income. Make sure you’re on the right tax code by visiting gov.uk. If you’ve got children, check if you’re eligible for tax credits. If you live alone, make sure you’re not overpaying council tax - single person households should get a 25% discount.

 

 

Get to grips with your pension

diamond responsible pensionsWhen you retire you'll need your income to support you, and give you a decent standard of living. Most people get a State Pension but some people can find it hard to live on this alone. If you can, you should top this up with your own pension to make sure you'll have enough money to see you through your retirement.
 
Over 50s with a defined contribution pension can get free impartial guidance on their pension options from Pension Wise, so you can start planning your financial future long-term. To book a free guidance session call on 0800 138 3944.

 

Need advice?

Call us on 03444 111 444

Lines are open 9am to 5pm, Monday to Friday.

Send us an email

Get advice online at: citizensadvice.org.uk

Or for advice in person, visit your local Citizens Advice, see locations and opening times.

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