I am in financial difficulty and need help

Managing Debt

• Support and advice to help you take control of debt, and information on how to borrow affordably, is available at Dealing with debt | MoneyHelper. This shows you how to speak to the people you owe money to and gives tips to help you pay pack your debts in the right order.
• If you need help to find free advice on managing debt, a debt advice locator is available here Use our debt advice locator | MoneyHelper

I am struggling to pay my bills

• The Citizens’ Advice Bureau provide specific support and advice on what to do if you are struggling to pay your bills, are behind with your rent or mortgage payments or have credit card debts. That can be found at Get help with bills - Citizens Advice
• The Welsh Parliament have published guidance for those who are struggling with the rising cost of living which can be accessed here support-with-cost-of-living-pressures-updated-eng.pdf (senedd.wales)

Available grants and Financial assistance from Charities

• A range of charitable organisations are able to provide assistance. Details can be found here NHS England » Financial wellbeing support

Support from trade unions

If you are a member of a trade union, help may also be available to you in the form of a grant. The following organisations provide hardship schemes

• Unison: There for You (UNISON Welfare) | Member support and services | UNISON National
• RCN: Hardship grants | RCN Foundation | Royal College of Nursing
• Unite: Unite Benevolent Fund, Member Benefits - Unite The Union
• GMB: Unite Benevolent Fund, Member Benefits - Unite The Union or 0161 486 1777

I need help with gambling

• Help is available from the Citizens Advice Bureau if gambling has become a problem for you. This can be accessed at Get help with gambling problems - Citizens Advice

Food Bank

• If you are in financial crisis and are struggling to provide food for yourself or your family then please call 0808 2082138 for free (open Monday to Friday, 9am-5pm) to talk confidentially with a trained Citizens Advice adviser. They can help address your crises and provide support to maximise your income, help you navigate the benefits system, and identify any additional grants you could be entitled to. If needed, they’ll issue you with a voucher so you can get an emergency food parcel from your local food bank. More information on food banks can be found by visiting The Trussell Trust - Stop UK Hunger

My finances are being controlled by someone else

• If someone close to you is controlling your money or how or what you spend your money on, or if you think someone you know may be being financially abused, support is available 24/7 at Live Fear Free Helpline – call 0808 8010800, Text 07860077333, email info@livefearfreehelpline.wales or go to Live Fear Free helpline | GOV.WALES

Ask Bill

• Ask Bill - During these challenging times, it’s important to ensure that you are receiving the support you need to reduce financial stress and save for the future.  You can access free and impartial money advice from Ask Bill – including tips on how to reduce utility bills, manage money and deal with debt issues.  For more information visit Home - Ask Bill