Money matters

moneytree

We’ve got a confession to make… We can’t make money grow on trees.

But don’t worry, we reckon there’s a pretty good chance we CAN help you make your cash go further this winter, with a bit of support from us.

That’s why we’ve pulled together these money-saving tips, advice and news just for you.

In our newsletters, we told you about some big changes to benefits which could affect you, and there’s more to come over the next few months which we’ve explained in our infographic here.

If you want to spend less this winter, save money on your energy bills, or are struggling to pay your rent and don’t know where to turn, we can help with all that too and take a look at this energy saving infographic here.

Whatever your situation, you could be quids in with our support. Just read on…

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save monet and water

Worried about your next bill? 

You could be eligible for the Warm Home Discount Scheme.

Provided by some energy companies, the scheme is a one-off payment to support people struggling with winter bills.

If eligible you could receive up to £140 towards your energy costs.

Find out if your energy supplier is part of the Warm Home Discount Scheme and if you’re eligible to apply by visiting www.gov.uk/the-warm-home-discount-scheme/eligibility or email us –info@s4bmanchester.co.uk for support.

Struggling with your water bill?

United Utilities have several different schemes available to help you if you’ve fallen behind on payments.

For more information, email us on info@s4bmanchester.co.uk or phone 0300 555 0128.

If you need help comparing energy tariffs, switching providers or applying for a discount scheme then get in touch. Email info@s4bmanchester.co.uk or phone us on 0300 555 0128.

And here are some energy saving tips on our infographic here.


benefit-changes

Last April we told you about some new changes to the benefits system which could affect you later in the year.

From November, many of these changes will start to take effect, so it’s important you know the score.

Check out our infographic here which explains the changes, who they affect and where to go for support.


INSURANCE

With opportunist burglars, and of course, the good old British weather – insurance companies see a huge increase in claims over the winter months, so it’s important to make sure you have sufficient cover for your home and contents.

By paying just a small amount of money each month, you can protect your valuables in case of theft, fire, flooding or an accident.

Find a deal that suits you by using sites such as Go Compare or Money Saving Expert. S4B is a partner with My Home Contents Insurance and we feel they offer good policies at affordable prices.

Find out more by visiting www.thistlemyhome.co.uk/default.aspx and if you need support, drop us a line: info@s4bmanchester.co.uk


STRUGGLING

So let’s talk…

If you’re in rent arrears, we want to work with you… and that starts with a conversation.

Failure to pay your rent will lead to court action, which could result in you having to pay as much as £325 in court costs.

Don’t let this happen – get in touch with us today and we’ll do our best to help you find a solution. Email info@s4bmanchester.co.uk


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If you are struggling with your finances, or simply want a little help in making your money go further, please let us know.

There are many ways we can help you.

The team is always just an email or phone call away, but we understand that sometimes it’s nice to sit down and have a face-to-face chat.

Come and see us at our next money surgery and receive specialist, confidential support.

Or, make an appointment to see us, either in the office or we can even visit you in your own home, the choice really is yours – whatever you are most comfortable with.

We can help you with everything from debt or problems with claiming benefits, to being more energy efficient and finding out the best ways to save money.

Call us on 0300 555 0128 or drop us a line info@s4bmanchester.co.uk


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Want to start making regular savings at an amount to suit your budget?

Then why not join your Credit Union, the safer way to save and borrow money.

South Manchester Credit Union visits Brunswick Parish Church, every Tuesday, between 10:00am and 12:00noon.

They also offer great value loans – so if you need are considering approaching a loan shark… STOP! Think Credit Union! A much cheaper and safer alternative.

Want to know more? Visit www.smcreditunion.co.uk or pop into the Church on Tuesday and speak to the team.

You can even join straight away if you like!


brunswick-workclub-plus-logo

Looking for work and need some support? Want to find out about the latest job vacancies and training opportunities?

Brunswick Workclub Plus could be just what you need to help you get a foot in the door.

So why not come on down to Brunswick Parish Church, Brunswick Street M13 9TQ, Wednesday’s between 9:30am and 12:00noon.

The sessions are free and you will have free access to computers with free WiFi.

The sessions can help and support you to:
– Write a great cover letter
– Create or update your CV
– Prepare for an interview and help you develop interview techniques and skills
– Register with online job applications
– You tell us what you would like to achieve and we’ll see what we can do to help

For more information please get in touch – 0300 555 0128 or email info@s4bmanchester.co.uk or just pop into one of the Wednesday sessions.


LOAN-SHARKS

Have you borrowed from a loan shark?

Are you struggling with repayments? We can help.

We’ve received reports of loan sharks at work in some of our neighbourhoods. Make sure you don’t get bitten by having a read of our dedicated loan shark page.  It explains how to spot them, how to avoid them, and where to go for help.


pension wise sub header

Pensions are a tricky business, and it can be stressful trying to work out what you can or can’t do with your pot of money.

And to add more confusion, the government are introducing a number of changes to the state pension which could affect you and the amount you receive.

The good news is, you don’t have to work it out alone. If you’re 50 or over and have a pension based on how much has been paid into your pot (defined contribution pension) you can get free guidance from Pension Wise.

Pension Wise is a government service and will help you make sense of the options available to you and of the tax implications. That means more time to put your feet up and enjoy retirement.

You can get Pension Wise advice online, over the phone or face-to-face. Click here to see what the service offers or call 0300 330 1001 to make an appointment.