Money Matters - Download as PDF by wuyunyi

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                                     Mortgage              Benefits
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                                                                           Money left to     pay Rent Tax
                                                                                                 debts                       Money left to pay debts
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                                    Money left to pay debts




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                                                                             Loan                Shopping
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                                                           Debts




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                                                                                                                                                 Debt
                                   Wages                  Mortgage        Benefits           Rent                                           Debt
                                    Savings               Payslip                                                           Benefits      Debt Rent                                     Debt
                                   Benefits               Rent            Savings                      Debt
                                                                                             Council Tax                    Savings            Council Tax
                                   Savings                Council Tax                        Shopping
                                                                                          Don’t borrow                                         Shopping
                                                          Shopping                           Travel
                                                                                          more money
                                                          Travel                             Utilities
                                                                                                                            Debt               Travel
                                                                                                                                                                          Debt
                                     Mortgage           Benefits
                                                          Utilities
                                                                                        Debt                                                   Utilities
                                                                                                                                                      Debt
                                                                                                                                           Debt                                                 Debt
                            Get organised                                                                               Debt
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                                                                                                                                                                                      Debt
                            Find all your BUDGET and bills.
                                          paperwork
                                                                                                           Debt   Draw up a budget

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                                    Money left to pay debts




                                                                                   !
             5.                    Income               Expenses
                                                                                                6.

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                                   Wages                Mortgage                                                                   of free debt advice
                                   Benefits             Rent                                    Debt


                                                                                                                                                                                  GO
                                   Savings              Council Tax
                                                        Shopping
                                                        Travel
                                                        Utilities
                                                                                   Debt

                                                                                                               Debt
                                                                                               Debt                              There are many sources
                                                                                                                                   of free debt advice
                  Contact your creditors*                                                    There are many sources
                                                                                                                                                                               There are many sources

                  They can reduce payments and stop interest charges.
                            *If your credit debt is 6+ years old always
                                                                                               of free debt advice      Get advice!                                              of free debt advice


                             seek advice before contacting creditors.
                                                                                                                         See back page for contacts.
Quick Guide to benefits ...                                                                                                                                                                                                                                                                                      Local advice
                                                                                                                                                                                                                                                                                                                 Wolverhampton Citizens Advice Bureau
                                                                                                                                                                                                                                                                                                                 www.wolverhamptoncab.org
Every year billions of pounds of benefits go                                                                                          This guide only highlights some of the main benefits
                                                                                                                                                                                                                                                                                                                 Advice Line: 01902 572006 / 10am–2pm Mon–Fri
unclaimed by people who are entitled to them.                                                                                         and should not be taken as a definitive statement of
                                                                                                                                                                                                                                                                                                                 26 Snow Hill - Drop in times:
Use this easy guide to see if you are missing out.                                                                                    benefit law.
                                                                                                                                                                                                                                                                                                                 Mon–Thurs 9am–2pm Fri 9.30am–1pm
The benefits you are entitled to change according                                                                                     A full benefit check with a benefits agency or on the                                                                                                                      Closed first Thursday of the month.
to your changing circumstances and you may be                                                                                         internet might show other benefits you could get.
entitled to several benefits at once if more than one                                                                                                                                                                                                                                                            Council enquiries; including benefits
set of circumstance applies to you.                                                                                                           A part time working parent could also get free                                                                                                                     www.wolverhampton.gov.uk
                                                                                                                                              NHS treatment, free school meals and more.
 A lone parent with a child who is working part                                                                                                                                                                                                                                                                  Debt advice
 time could get Child Benefit, Child Tax Credits,                                                                                         If it’s green you could be entitled.                                                                                                                                   National Debtline
 Working Tax Credits and Housing Benefit and                                                                                                                                                                                                                                                                     www.nationaldebtline.co.uk Helpline: 0808 808 4000
 Council Tax Benefit.                                                                                                                                                                                                                                                                                            Business Debtline
                                                                                                                                                                                                                                                                                                                 www.bdl.org.uk Helpline: 0800 197 6026




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                                                                                                                                                            Job Seekers
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                                                                                                                                                                                                                                                                                                                 Carers Allowance Unit: 845 608 4321
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                       p children                                                                                                                                                                                                                                                                                www.hmrc.gov.uk
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     Work ing less tha                                                                                                                                                                                                                                                                                           Pension Credit claim line: 0800 991 234
                                 ore a week
                    hours or m                                                                                                                                                                                                                                                                                   Winter Fuel Payments: 0845 915 1515
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                                                                                                                                                                                                                                                                                                                 www.warmfront.co.uk Tel: 0800 316 2805
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                             and over                                                                                               There is a lot of free advice on-line. www.direct.gov.uk                                                                                                                     General advice
                Aged sixty                                                                                                                                                                                                                                                                                       Benefit, debt and money advice including useful
                                                                                                                                    has an easy to use benefits calculator. You do not need to
                                                                                                                                    register or enter any identification and it only takes a few                                                                                                                 guides and calculators. www.direct.gov.uk
                                                                                                                                    minutes to find out your entitlements                                                                                                                                        www.moneymadeclear.org.uk

								
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