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Benefits and Entitlements/ Budd-daliadau a hawl i fudd-daliadau

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Benefits and Entitlements/ Budd-daliadau a hawl i fudd-daliadau

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What we'll cover

Budgeting styles and their impact

Strategies to add structure to your budget

How online bank accounts can help you stay on track

Have you ever wondered why some people seem to effortlessly manage their finances while others struggle to make ends meet? The answer often lies in how they budget.

Understanding your approach to budgeting can be the key to achieving your financial goals and a peace of mind.

Ready to uncover your budgeting style? Take our quiz and discover your own unique approach.

Stash your cash

Envelope budgeting is a hands-on method for managing your finances. It involves dividing your monthly income into different envelopes, each representing a specific spending category like groceries, utilities or entertainment. You then allocate a predetermined amount of cash into each envelope at the beginning of the month, helping to curb overspending.

You can also explore digital alternatives to traditional envelope budgeting with a simple tool like Ally Bank's spending buckets, which is a lot like envelope budgeting. You can still allot your funds into different categories without the need for multiple accounts (or physical envelopes of cash). Create up to 30 different buckets within one Ally Bank Spending Account.

Simple vs. detailed approach

The 50/30/20 and line item budgeting methods are two distinct ways of managing your finances, each offering unique advantages and flexibility.

The 50/30/20 method, often hailed as an easy-to-follow system, divides your income into three broad categories: needs, wants and savings/debt. This approach allocates 50% of your income to covering necessities like rent or mortgage, utilities, groceries and transportation. The next 30% is reserved for personal spending, allowing you the freedom to indulge in non-essential items like entertainment and hobbies. The remaining 20% is dedicated to savings and debt repayment. This method provides a simple framework for maintaining a balanced financial life while emphasizing the importance of saving. Ally Bank Saving's Account also has a saving's bucket feature to help you organize and separate your saving's goals.
Read more: Use buckets to organize your savings in an Ally Bank Savings Account
If the 50/30/20 method isn't detailed enough for you, a line item budget may be the way to go. This system allows you to create a comprehensive list of all your income sources and expenses, breaking them down into individual line items. Each expense is accounted for separately and offers a clear picture of where your money is going.

Achieving financial balance

Zero-sum budgeting is a purpose-driven financial approach that ensures every dollar of your income has a designated purpose. This method allows you to distribute your earnings to various categories or expenses, leaving no surplus funds unassigned. The primary objective is to make sure that your total income minus your total expenses equals zero, creating a balanced budget.

To implement zero-sum budgeting , establish spending limits for each category to help you control your expenditures and avoid overspending. If you find yourself with leftover money at the end of the month, make sure to allocate it intentionally. Consider options like adding to your emergency fund, your vacation fund, paying toward your debt or rolling it over into the following month's budget for future expenses.

There's no one-size-fits-all approach when it comes to your budgeting style. They're tailored to your individual financial objectives and personal preferences. Your goals and inclinations will play a significant role in shaping your budgeting style, ensuring it aligns perfectly with your path to financial success.

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What's Your Budgeting Style? Take the Quiz | Ally

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There are multiple budgeting methods, but which one fits your style and goals? Take our budgeting style quiz to steer you towards the right budgeting path.

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Getting Ready Project: Resources- Carmarthenshire/ Prosiect Paratoi: Adnoddau- Sir Gâr

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Getting Ready Project: Resources- Carmarthenshire/ Prosiect Paratoi: Adnoddau- Sir Gâr

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Getting Ready Project: Resources - Bridgend/ Prosiect Paratoi: Pen-y-bont ar Ogwr

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Getting Ready Project: Resources - Bridgend/ Prosiect Paratoi: Pen-y-bont ar Ogwr

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Gaming and Gambling/ Chwarae Gemau a Gamblo

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Gaming and Gambling/ Chwarae Gemau a Gamblo

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What it takes to own a pet/Beth sydd ei angen i fod yn berchen ar anifail anwes

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What it takes to own a pet/Beth sydd ei angen i fod yn berchen ar anifail anwes

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We can run workshops for young people on any of the topic areas covered in our resources.

For more information contact gettingready@childreninwales.org.uk

Gallwn ni gynnal gweithdai i bobl ifanc ar unrhyw rai o’r meysydd pwnc sy’n cael sylw yn ein hadnoddau.

I gael rhagor o wybodaeth, gettingready@childreninwales.org.uk

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When you are looking to understand or control your finances better, this budget planning tool is the place to start.

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Key Money Terms Everyone Needs to Know: Easy Peasy Finance for beginners

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Banking -  A Young Persons Guide/ Bancio - Canllaw I bobl Ifanc

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Banking -  A Young Persons Guide/ Bancio - Canllaw I bobl Ifanc

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By Adam Shalvey

How confident are you with banking terminology? Understanding the language that your bank uses can help you make smarter decisions with your money.

This quiz will help you test what you already know. Once you finish, learn more at " Banking Terms Everyone Should Know."

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How confident are you with banking terminology? Understanding the language that your bank uses can help you make smarter decisions with your money and budgeting.

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What foster carers do | The Fostering Network

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Find out more about what foster carers do and what is involved in fostering.

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It is important that any young person who is sleeping rough approaches their local council for help. If you have seen someone sleeping rough, you can contact StreetLink via their website or app. Street Link will ask you for some details about the person, including where they are sleeping, so that they can connect with local services such as day centres, outreach teams or night shelters.

If you are comfortable talking to the young person, you can also ask them if they have approached their local council for support. Many young people simply don't realise that there is support available for them, and often don't know how to access it.

If you are comfortable doing so, you could support them to approach their local council, ensuring that they are able to make a homelessness application and that an assessment of their needs and situation is completed.

If you have seen a young person sleeping rough and it is outside of office opening hours, you can call Llamau's Youth Homeless Helpline, run in partnership with Shelter Cymru, free of charge, on 08000 495 495. Highly trained colleagues and volunteers will help you to access safe temporary accommodation and provide advice on how to keep yourself safe.

If you are worried that the young person is in immediate danger, you should call the emergency services on 999.

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Our mission is to end homelessness for young people and women. Across Wales we prevent homelessness, provide safe accommodation and support to leave homelessness behind.

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When I am Ready’ enables young people in foster care to continue living with their foster carers once they turn 18. It allows them to remain in a stable and nurturing family environment up to the age of 21, or up to age 25 if they are completing an agreed programme of education or training. Local authorities are required to set up local ‘When I am Ready’ schemes in line with the national guidelines set out in the Code of Practice relating to Part 6 of the Act.

Please speak with your social or support worker about Neath Port Talbot When I am Ready Scheme.

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What is a Junior ISA? / Beth yw ISA Iau?

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What is a Junior ISA? / Beth yw ISA Iau?

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Children who have been in local authority care for 12 months or more and who are not eligible for a Child Trust Fund are entitled to a £200 payment from the government into a Junior ISA.

Mae gan blant sydd wedi bod yng ngofal awdurdod lleol am 12 mis neu fwy ac nad ydynt yn gymwys i gael Cronfa Ymddiriedolaeth Plant hawl i daliad o £200 gan y llywodraeth i mewn i ISA Iau.

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What is a Child Trust Fund?/ Beth yw Cronfa Ymddiriedolaeth Plant?

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What is a Child Trust Fund?/ Beth yw Cronfa Ymddiriedolaeth Plant?

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A Child Trust Fund is a long-term tax-free savings account for children born between 1 September 2002 and 2 January 2011.

Mae Cronfa Ymddiriedolaeth Plant yn gyfrif cynilo di-dreth hirdymor ar gyfer plant a anwyd rhwng 1 Medi 2002 a 2 Ionawr 2011.

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Accessing Your Account/ Mynediad i'ch Cyfrif: 

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Accessing Your Account/ Mynediad i'ch Cyfrif: 

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Eligibility: If a young person has been in care for at least 12 months then you will be submitted to The Share Foundation by the local authority who can start your savings account:

Access: When a young person turns 16, the Share Foundation will send a letter to your 'main contact' at the local authority which explains how they can start the process of gaining access to a Junior ISA or Child Trust Fund account.

If you have not received a letter or any information on your child trust fund account - please use this link https://findctf.sharefound.org -

Complete the online form and The Share Foundation will support you in gaining access to your account.

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Missing Money - Lost Child Trust Fund - helping 16 & 17 year-olds find their account

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Missing your lost Child Trust Fund account? 16 & 17 year-olds born in the UK from 1 September 2002 have a pot of money typically over £1,000. Sharefound helps you find it.

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Aberavon, Port Talbot

Address

Contact Details

Liz Hill O'Shea
Phone: 07971700105
lizhilloshea@gmail.com
www.betheltrust.co.uk

Further information

Foodbank (no referral needed)

Food Discount Shop: Reduced price food

Baby Bank (referral needed): Good quality used baby clothes

Briton Ferry

Address

Contact Details

Phone: 07724 383711
Please either text or leave a voicemail and a contact number so we can get back to you.
Email: vpchfood@outlook.com

Further information

No referrals required.

Port Talbot

Address

Port Talbot Food bank
Carmel Chapel
Riverside
Glan-yr-Afon
Port Talbot
SA13 1PQ

Contact Details

Phone: 07491 922211
Email: info@porttalbot.foodbank.org.uk

https://porttalbot.foodbank.org.uk

Further information

Referral required.

Address

Seventh-Day Adventist Church
Bush House
Dan-y-Bryn Road
SA13 1AL

Contact Details

Phone: 07930 829386

Further information

In order to access a food parcel, please telephone for a chat in the first instance.

Cwmafan

Address

Port Talbot Food bank (Cwmafan)
Tabernacle Terrace
Cwmafan,
SA12 9HS

Contact Details

Phone: 07491 922211
Email: info@porttalbot.foodbank.org.uk

Further information

Referral required.

Cymmer

Address

Contact Details

Phone: 01639 850505 Please ring in advance to allow time for the food parcel to be prepared.
tym.thomas@cymmercommunitylibrary.org
Further information

Foodbank: Ring in advance to allow time for food parcel to be prepared

Supermarket: 50p joining fee

10 items for £3.50

Crynant

Address

Crynant Community Fridge/Sharing ShedCrynant Community Centre
Woodland Road
Crynant
SA10 8RG

Contact Details

Phone: 01639 750082

Further information

No referrals required.

Neath (Town centre)

Address

Neath Food bank (Trussell Trust)
Orchard Place Baptist Church
(SA11 1DT)

Contact Details

Phone: 07534256508
feedthehungry@hotmail.co.uk

Further information

Referral required.

Address

F.A.N Community Alliance
Friends And Neighbours Centre
Neath
SA11 1HQ

Contact details

Tel: 01639 698590 (leave a message and they will reply)
Email: fancommunity@outlook.com

Further information

No referral required. Contact us via email and we will get back to you. We only accept self-referrals from Neath East residents.

Address

Help House at The Mission
High Street,
SA11 3NB

Contact details

Facebook: www.facebook.com/Thehelphouseneath
Email: fancommunity@outlook.com

Further information

Referral required.

Glynneath

Address

Contact Details

Phone: 07561 234289

Email: info@valeofneath.foodbank.org.uk
www.valeofneath.foodbank.org.uk

Further information

Referral required.

Resolven

Resolven Building Blocks Resolven ICC,
Resolven,
Neath,
SA11 4AB

Contact Details

Phone: 07523671811

Email: foodbank@buildingblocksfamilycentre.co.uk

Further information

All requests must be phoned or email through in advance.

Seven Sisters

Address

Dulais Valley Foodbank.
Seven Sisters RFC
The Clubhouse
Dulais Road
Seven Sisters
Neath
SA10 9EL.

Contact Information

Phone: 07934 723099
Please leave contact name & telephone on answer phone and we will reply.

Email: jakodavies@tiscali.co.uk

Further information

Please ring day before and leave your contact name and telephone number and we will ring you back to discuss requirements

Skewen

Address

Contact Information

Phone: 01792 324376

Further information

All requests must be phoned through either the day before or by 11am on the day requested.

Address

Food Cupboard at the
Ty Santes Fair CentreCompton Road
Skewen
SA10 6BA

Contact Information

Phone: 07812 357671

Further information

This is an emergency food store only. If you require urgent food, please telephone for a chat in the first instance.

Pontardawe

Address

Contact Details

Phone: 07565 711311 on a Tuesday and Saturday between 10am and noon but 07704 114484 at all other times

Email: info@pantryfoodbank.org

Further information

In order to access a food parcel, please telephone or email so your requirements can be discussed in the first instance.

Gwaun Cae Gurwen

Address

Contact Details

Phone: 01269 826893

Email: admin@canolfanmaerdy.co.uk

Further information

Referrals required although people can self-refer by completing a simple form with a member of staff.

Address

GCG FoodbankCommunity Centre,
Ammanford
SA18 1UN

Contact Details

Phone: 07419 310640 or 07710 377899

Further information

No referral required.

Ystalyfera

Address

CATCH Gurnos Chapel
Gurnos Road
Ystalyfera
SA9 2JA

Contact Details

Phone: 07923 986379

Email: YstalyferaFoodbank@mail.com

Facebook: facebook.com/ystalyferafoodbank

Further information

No referral required.

Ystradgynlais

Address

Contact details

Tel: 01639 845475
Email: yvcvolunteering@gmail.com

Further information

No referral required.

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Information including contacts for NPT Food banks

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Bins and recycling - Neath Port Talbot Council

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All you need to know about bins and recycling services in NPT

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Weekly meal plan/ Cynllun Prydau Wythnosol

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Weekly meal plan/ Cynllun Prydau Wythnosol

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Weekly grocery shop on a tight budget as a single Mum

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Apply for a bus pass, travel information, school transport

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Help with your bills | Dŵr Cymru Welsh Water

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This page is intended to provide support and assistance in making bills more affordable by raising awareness of the various available options that can benefit households and reduce water usage.<

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This grant is for when a young person is over 18 and is moving into their own home with their own tenancy. The grant is for essential items for the home

Speak to your YPA/ Social worker for more information.

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Social tariffs: Cheaper broadband and phone packages/ Tariffau cymdeithasol: Pecynnau band eang a ffôn rhatach

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Social tariffs: Cheaper broadband and phone packages/ Tariffau cymdeithasol: Pecynnau band eang a ffôn rhatach

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Social tariffs: Cheaper broadband and phone packages

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Social tariffs can provide a safety net for customers who might be struggling to afford their broadband or phone services.

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Council Tax exemptions/ Eithriadau Treth y Cyngor

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Council Tax exemptions/ Eithriadau Treth y Cyngor

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A care leaver may be exempt from having to pay if they live on their own or solely with other care leavers or students.

Mae un neu fwy o bobl sy’n gadael gofal yn byw yn yr eiddo neu mae pob preswylydd naill ai’n gadael gofal neu’n cael ei ddiffinio fel myfyriwr neu berson sydd â nam meddyliol difrifol.

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Council Tax exemptions - Neath Port Talbot Council

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Find out when a property may be exempt from council tax

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Discretionary Assistance Fund/ Cronfa Cymorth Dewisol (DAF)

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Discretionary Assistance Fund/ Cronfa Cymorth Dewisol (DAF)

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The Discretionary Assistance Fund provides 2 types of grant that you do not need to pay back.

Emergency Assistance Payment (EAP)

A grant to help pay for essential costs, such as food, gas, electricity, clothing or emergency travel if you:

are experiencing extreme financial hardship

have lost your job

have applied for benefits and are waiting for your first payment

You cannot use it to pay for ongoing bills that you cannot afford to pay.

Individual Assistance Payment (IAP)

A grant to help you or someone you care for live independently in their home or a property that you or they are moving into.

What you can use the grant for

Use the grant to pay for:

a fridge, cooker or washing machine and other 'white goods'

home furniture such as beds, sofas and chairs

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The Discretionary Assistance Fund provides 2 types of grant that you do not need to pay back.

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Housing Costs and Universal Credit/ Costau tai a chredyd cyffredinol

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Housing Costs and Universal Credit/ Costau tai a chredyd cyffredinol

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If you're eligible for Universal Credit, you can get an extra amount of money to pay towards your housing costs.

The money you get for housing can help pay for your:

If you're in supported, sheltered or temporary housing

You can apply for Universal Credit to help with living costs. Whether it can help with housing costs depends on your accommodation and how it supports you.

You can apply for Universal Credit to help with housing costs if both apply:

you live in supported or sheltered housing

you're not getting 'care, support or supervision' through your housing

You cannot get Universal Credit to help with housing costs if any of the following apply:

you're living in supported or sheltered housing (such as a hostel) which provides you with 'care, support or supervision'

you're living in temporary accommodation arranged by your council because you're homeless

you're living in a refuge for survivors of domestic abuse

Apply for Housing Benefit instead.

Other help with housing costs

You can apply for help with financial difficulties from your main Universal Credit payment.

You might also be able to:

If the money you get for housing does not cover all your rent

You might be able to get extra help from your local council with your rent and other housing costs, for example a rent deposit or moving costs. This is called a ' Discretionary Housing Payment '.

To apply for a Discretionary Housing Payment, contact your local council.

If you change your address

The amount of money you get for housing each month will be based on your housing costs at the end of your assessment period.

If you become homeless while you're getting Universal Credit

You must report this in your online account. Your work coach can give you a break (called an 'easement') from your Claimant Commitment responsibilities so you have time to look for accommodation. You can still claim Universal Credit.

If you live in Scotland

You can get your extra amount for housing either:

paid to you in your Universal Credit payment

paid straight to your landlord

You can choose whether Universal Credit is paid once or twice a month.

If you're making a new claim, you'll get a notification about this after your first payment.

If you're already getting Universal Credit and have not had a notification, you can ask your work coach.

You can choose to be paid once or twice a month.

When you're paid twice a month your first payment will be for a full month. You'll get the first half of your second month's payment a month after this. The second half will be paid 15 days later. This means there will be about a month and a half between your first payment and the full amount for your second month.

After this, you'll be paid twice a month.

Example

You get your first payment on 14 December. This payment is for a full month.

If you're paid twice a month, you get half of your second payment on 14 January and the other half on 29 January.

You get paid on the 14th and 29th of each month after that.

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Universal Credit can include help with housing costs - paying your landlord, what to do if you cannot pay your rent, other help you can get.

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Direct Debit

Calendars - pin point when bills are coming out

Track your bills

Within a day or two of getting paid, pay all your bills

Debyd Uniongyrchol

calendrau - Pwynt pin pan fydd biliau'n dod allan

olrhain eich biliau

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Welcome to Citizens Advice Swansea Neath Port Talbot/ Croeso i Gyngor Dinasyddion

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Welcome to Citizens Advice Swansea Neath Port Talbot/ Croeso i Gyngor Dinasyddion

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Concerns about bills and money - speak with citizens advice/ Pryderon am filiau ac arian - siaradwch â chyngor dinasyddion

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Remember you will be entitled to a setting up home allowance to help with the cost of furniture/ setting up your new home. Speak with your YPA and/ or social worker for more information.

Cofiwch y bydd gennych hawl i lwfans gofal gadael i helpu gyda chost dodrefn/ sefydlu'ch cartref newydd. Siaradwch â'ch PA a/ neu weithiwr cymdeithasol i gael mwy o wybodaeth.

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10 Easy Steps for Laundry / 10 cam hawdd ar gyfer golchi dillad

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10 Easy Steps for Laundry / 10 cam hawdd ar gyfer golchi dillad

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Learning how to do laundry is not difficult. Today's fabrics, detergents, and machines take most of the mystery and mistakes out of the process. Determine first if every item of clothing really needs to be washed. Though it's great to stay on top of your laundry, you can wear many items more than once before they need to be washed. Also read the labels for any washing instructions and to make sure the item is not dry-clean only.

Follow these 10 basic steps and laundry hacks for washable clothes and you'll always have clean laundry.

1. Read the Labels

Check the care labels on your garments and linens. They will tell you whether or not an item can be machine washed. Also, every type of fabric has properties that determine how it reacts to heat, water, and cleaning solvents:

Place all clothes that are labeled "wash separately" or " hand wash " into separate piles. If the label says, "dry clean only," believe it and place it in a bag to take to the dry cleaner.

There's no need to risk damaging any special fabrics by trying to save time or money and tossing them in the washer. In the future, try to avoid buying delicate items if you prefer not to deal with special laundry care.

2. Start by sorting the laundry by color:

Whites, pastels, light grays, and white background prints will go in one pile.

Deep colored clothes-black, red, navy, brown, dark gray-go in another pile.

Heavily soiled clothes should be washed separately.

3. Sort each pile one more time by type of fabric. For instance, in the whites pile, separate towels, and sheets from apparel. In the dark colors, separate t-shirts and jeans from lighter weight items like blouses and dress shirts.

Washing by fabric type allows you to use different water temperatures and keeps drying cycles simple. To reduce lint, never wash lint producing fabrics and lint attracting fabrics together!

If there are not enough items for a full washer load of each type of fabric and you are in a hurry, you can wash all items of each color together. Just be sure to choose the washer cycle to fit the most delicate garments in the load.

4. Pick a Detergent

Select an all-purpose laundry detergent. Read the directions to determine how much to use based on the size of the load.

If your clothes have stains, pre-treat them before washing so it doesn't set in. Simply apply a stain remover or rub in a bit of laundry detergent.

Add the detergent to the washer drum or dispenser before loading it. This will prevent residue on your clothing.

5. Pick a Water Temperature and Cycle

Unless your clothing is caked with dirt and heavily stained, washing in cold water will serve your needs and prevent most laundry disasters.

The exception is cotton underwear and bedsheets that need hot water to remove body oil. Bed linens and towels need to be washed at the highest recommended temperature at least every other wash to sanitize them.

No matter the temperature, always rinse in cold water.

You will also want to choose the best washer cycle for the fabrics in the load. The "normal" cycle will be fine for most loads, but you may also need to use "permanent press" or "delicate" for certain fabrics. "Heavy-duty" is great for articles like jeans and towels.

6. Final Check

Take a bit of time to double-check everything before you load the washer. This will save you from any last-minute mistakes.

Look for any stains and pretreat them. Certain types of stains require special techniques to remove them, while many can be handled with a spot treatment. There's also a proper approach for mystery stains when you're not sure what caused it.

Also, check that all pockets are empty-no tissues or paper, either-to prevent disasters. Remove any accessories such as belts and jewelry. Close all zippers, VELCRO, and buttons to prevent them from catching the fabrics.

7. Load the Washer

Load items into the washer one at a time, making sure they are not in a wad. Do not cram the washer too full. The clothes need room to move about in the water.

To protect fabric finishes and reduce the "washed out" look, turn knitted items, corduroy, textured fabric, and dark colors inside out.

8. Unload the Washer

Promptly remove wet laundry from the washer to lessen wrinkles and prevent mildew. Hang items to air dry, lay flat to dry, or place them in the dryer.

9. Load the Dryer

If you did not separate loads by fabric type when washing, do it now before placing items in the dryer. It's important to dry all lightweight items together and all heavy fabric items together and choose the correct dryer cycle for each. This will help prevent shrinking and protect your clothing.

There are many good reasons why you might consider line drying your laundry. Chief among those are saving energy (and money) and less damage to your clothes. Not everyone can do this, though, because of space and weather restrictions. If you are able, be sure to get a few tips for hanging clothes on the line.

10. Hang or Fold and Store

As soon as your clothes are dry, you'll want to take care of them right away. Hang or fold each piece of clothing as it comes out of the dryer to prevent wrinkling. And, of course, iron your clothes if you must. As soon as possible, return clothes and linens to the proper closet or drawer.

Mistakes happen. Everyone makes them but here's some help to save the day-or your favorite shirt.

Laundry is much less overwhelming if you do it frequently. If you let a mountain of dirty laundry accumulate, it can become scary. It may feel like a hassle to go to the laundromat, so find ways to make the trip better like using the time to read, relax, and enjoy the scent of your fresh laundry.

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Laundry Hampered? How to Do Laundry in 10 Easy Steps

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Learning how to do laundry is not difficult. Today's fabrics, detergents, and machines take most of the mystery and mistakes out of the process. Determine first if every item of clothing really needs to be washed. Though it's great to stay on top of your laundry, you can wear many items more than once before they need to be washed.

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Here are 6 tips to help keep your home clean!  1. One room at a time 2. Declutter 3. One task at a time 4. Take a break 5. Find a place for everything 6. Dont set it down, put it away #cleaninghacks #cleaningmotivation #housekeeper #cleantok

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@tidycademypro
Here are 6 tips to help keep your home clean! 1. One room at a time 2. Declutter 3. One task at a time 4. Take a break 5. Find a place for everything 6. Dont set it down, put it away #cleaninghacks #cleaningmotivation #housekeeper #cleantok
♬ Piano music(806606) - Draganov89

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What to do if your heating stops working? / Beth i'w wneud os bydd eich gwres yn stopio gweithio?

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What to do if your heating stops working? / Beth i'w wneud os bydd eich gwres yn stopio gweithio?

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What to do if your central heating stops working | British Gas | Weather Ready

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Your options post 16 education/ Eich opsiynau addysg ôl-16

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Your options post 16 education/ Eich opsiynau addysg ôl-16

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Your Student Finance Journey / Eich siwrnai o ran cyllid myfyrwyr

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Your Student Finance Journey / Eich siwrnai o ran cyllid myfyrwyr

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Undergraduate finance for full-time Welsh students | Student Finance Wales

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Full-time undergraduate, tuition fee and living cost students

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Evidence you'll need / Tystiolaeth y bydd arnoch ei hangen

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Evidence you'll need / Tystiolaeth y bydd arnoch ei hangen

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Development Awards at The Kings Trust/ Gwobrau Datblygu yn The Kings Trust

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Development Awards at The Kings Trust/ Gwobrau Datblygu yn The Kings Trust

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Development Awards can cover the cost of course fees, tools or equipment to help you achieve your goals. (Eligibility 16-30 years old)

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Get funding to train and learn | Development Awards

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Our grants for 16- to 30-year-olds remove the financial barriers preventing you from taking your next steps into work, education or training.

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Care Leavers Support at Cardiff University / Support for care leavers and care experienced students/ Ymadawyr gofal a phobl â phrofiad o fod

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Care Leavers Support at Cardiff University / Support for care leavers and care experienced students/ Ymadawyr gofal a phobl â phrofiad o fod

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We offer a variety of support to care experienced students. We are committed to helping more care experienced people and care leavers go to university.

To demonstrate our commitment we are a member of the Care Leavers Activities and Student Support (CLASS) Cymru and the National Network of the Education of Care Leavers (NNECL) networks. This network shares best practice, resources and training to improve the student experience for care experienced and care leavers in Wales.

Is this support for you

We define a care experienced student as someone who has spent time living with foster carers under local authority care, in residential care (e.g. a children's home), looked after at home under a supervision order, or in kinship care with relatives or friends, either officially (e.g. a special guardianship order) or informally without local authority support.

The term 'care leaver' means that you are care experienced and that you will have been in the care of your local authority for at least 13 weeks at any time since the age of 14 (the 13 weeks does not need to have been all one go). This care will have finished on, or after, your 16th birthday.

Applying for a course

When you book to attend an Open Day, you will have the opportunity to disclose that you are Care Experienced. If you do this, you will be invited to meet our dedicated contact and widening participation team who can answer any questions you have about support here.

When you apply to university through UCAS you will have an opportunity to disclose you are Care Experienced. We would encourage you to tick yes for this question so we can contact you as early as possible about the support available to you.

We have implemented a contextual admissions model to better inform Admissions Tutors' understanding of applicants' social backgrounds, allowing Admissions Tutors to assess applicants' potential to succeed with us in the context of barriers they may have encountered. Applicants who have spent time in care and indicated this on their UCAS form (using the specified question) will be eligible for additional consideration. This could include a guaranteed offer, guaranteed interview, an offer at a lower level or additional consideration in the summer exam results period.

If you are not yet ready for a degree the Continuing Professional Education Department team offers a wide range of part-time courses, at levels and times to suit you. Many of these courses have no entry requirements - all you need is an interest in the subject and a willingness to explore it in the company of others. The pathways programme is an alternative to A-level and access qualifications as it is taught and assessed in similar ways to first year undergraduate courses.

Contact learn@cardiff.ac.uk or call 02920 870000 to find out more.

Funding

For information on our Care Leavers Bursary please see our dedicated Care Leaver Bursary page.

Transitions support

It is important to us that your transition to university is made easier by you being able to have information and guidance in regards to any questions you have before you start and after.

Our Outreach Team offer information, advice and guidance to help you prepare for university. Explore their get involved pages to see what projects you can get involved with.

If you have ticked the box at UCAS our dedicated contact Lena Smith will be in touch to answer any questions you may have before starting the course and can signpost you to services at the university you may need.

Support while you are studying

We aim to foster an excellent and supportive student experience. This includes to nurture and encourage confident and successful futures for all. We offer dedicated support on top of general student life support on offer to all students.

Lena Smith is the dedicated contact for care experienced students at Cardiff University and offers the following support throughout your studies:

support with applying for student funding and alternative grants and bursaries

support with academic-related issues, including liaising with your academic department and making students aware of how to apply for extenuating circumstances if needed

assist with any housing issues

sign posting towards other University services such as Student Disability Service, Counselling and Wellbeing or academic study skills

hosting events and activities and being their to talk to if needed

accommodation is available in Halls over the summer so you do not have to worry about signing up to another contract if in between contracts. When you move into private accommodation in your second year the University can also act as a guarantor if you need us to

dedicated career and employability support is available to care experienced students through our Career Confident scheme.

Get in touch

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Support for care leavers and care experienced students

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We offer dedicated support to care leavers who have been in the care of their local authority and care experienced students who have spent time in care.

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Care Leavers Bursary / Bwrsariaeth wrth Adael Gofal

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Care Leavers Bursary / Bwrsariaeth wrth Adael Gofal

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If you are a student either in care, or who has left care, you may be eligible for our Care Leavers Bursary.

Eligibility

To be eligible students must meet all of the following criteria:

a full-time undergraduate

under 25 when you started your course

eligible for funding as a 'home' student

be a care leaver.

A care leaver is a young person who has been in the care of, or has been given accommodation by, their local authority (LA) for a period of at least 13 weeks after the age of 14. They must also not have reconciled with their parents between leaving care and starting their course. Students who have been adopted will not be eligible for the bursary.

Amount awarded

Up to £3,000. This payment may be paid in addition to the Cardiff University Bursary.

How to apply

If you have specified on your UCAS application that you are a care leaver, we will invite you to apply for this bursary if you meet the terms and conditions. Alternatively, you may download and complete an application form from the student intranet after enrolment.

Find out more

For more details about this award, please contact the Bursaries and Scholarships team.

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If you are a student either in care, or who has left care, you may be eligible for our Care Leavers Bursary. To be eligible students must meet all of the following criteria: a full-time undergraduate under 25 when you started your course eligible for funding as a 'home' student be a care leaver.

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Support for Care leavers at Swansea University / Cefnogaeth i ymadawyr gofal ym Mhrifysgol Abertawe

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Support for Care leavers at Swansea University / Cefnogaeth i ymadawyr gofal ym Mhrifysgol Abertawe

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Support for Care Leavers and Estranged Students - Swansea University

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Participation@CampusLife provides information, advice, and guidance to diverse communities of students and the professionals who may be working with them.

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Care Leaver Support at South Wales University / Cymorth i Unigolion sy’n Gadael Gofal

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Care Leaver Support at South Wales University / Cymorth i Unigolion sy’n Gadael Gofal

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Changing address with Neath Port Talbot  / Cyfeiriad Newid

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Changing address with Neath Port Talbot  / Cyfeiriad Newid

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Tell us about a change - Neath Port Talbot Council

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Tell us if you’re moving house, about a death or report a change of tenants

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Change the address on your driving license/ Newid y cyfeiriad ar eich trwydded yrru

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Change the address on your driving license/ Newid y cyfeiriad ar eich trwydded yrru

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Change the address on either:

your full driving licence

your provisional driving licence

It does not cost anything to change your address with DVLA.

You can still drive while you're waiting for your new licence.

If you want to change your name at the same time, you'll have to apply by post.

This page is also available in Welsh (Cymraeg).

Before you start

You can be fined up to £1,000 if you do not tell DVLA when your address changes.

You need:

your driving licence

to be a resident of Great Britain - there's a different process in Northern Ireland

to give the addresses you've lived at in the last 3 years

to not be banned from driving

Provide your driving licence number, National Insurance number and passport number if you know them.

You must also change the address on your vehicle log book and vehicle tax Direct Debit (if that's how you pay).

If you want to change your photo at the same time

If your licence is valid for at least 2 more years, you'll have to renew it to change your photo.

If it's valid for less than 2 years, you can change your photo when you update your address.

You can either:

choose to use the same photo as your passport

send a recent passport-style photo - you'll get a letter telling you how to send it after you've used the online service

It costs £14. You can pay by MasterCard, Visa, Electron or Delta debit or credit card. There's no fee if you're over 70 or have a medical short period licence.

If you're moving abroad

You cannot register your new address on your British driving licence. Contact the driving licence authority in your new country of residence.

What happens next

You'll get a confirmation email from DVLA after you've applied. You might be asked to take part in research by email, but you can opt out.

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Change the address on your driving licence

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Change the address on either: your full driving licence your provisional driving licence It does not cost anything to change your address with DVLA. You can still drive while you're waiting for your new licence. If you want to change your name at the same time, you'll have to apply by post.

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Access NHS dentists in your local area/ Mynediad i ddeintyddion y GIG yn eich ardal leol

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Rydym yn croesawu gohebiaeth a galwadau ffôn yn y Gymraeg neu'r Saesneg. Atebir gohebiaeth Gymraeg yn y Gymraeg, ac ni fydd hyn yn arwain at oedi. Mae'r dudalen hon ar gael yn Gymraeg drwy bwyso'r botwm ar y dde ar frig y dudalen.

We welcome correspondence and telephone calls in Welsh or English. Welsh language correspondence will be replied to in Welsh, and this will not lead to a delay. This page is available in Welsh by clicking 'Cymraeg' at the top right of this page.

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Rydym yn croesawu gohebiaeth a galwadau ffôn yn y Gymraeg neu'r Saesneg. Atebir gohebiaeth Gymraeg yn y Gymraeg, ac ni fydd hyn yn arwain at oedi. Mae'r dudalen hon ar gael yn Gymraeg drwy bwyso'r botwm ar y dde ar frig y dudalen. We welcome correspondence and telephone calls in Welsh or English.

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Register with a GP/ Cofrestrwch gyda meddyg teulu

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Register with a GP/ Cofrestrwch gyda meddyg teulu

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Find out how to register with a GP surgery in England.

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Get your NHS Number / Sicrhewch eich rhif GIG

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Get your NHS Number / Sicrhewch eich rhif GIG

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How to find your NHS number

Documents and letters

You can find your NHS number in any documents or letters sent to you by the NHS, such as your:

prescriptions

test results

hospital referral letters

appointment letters

Online

You can find your NHS number online by using the Find your NHS number service.

You can also find it by logging in to:

the NHS App (you'll need to register if you have not used it before)

some GP online services

Your GP surgery

You can call your GP surgery and ask them for your NHS number.

You may need to prove your identity over the phone or visit your GP surgery with proof of identity.

Medical cards

Medical cards with your NHS number are no longer sent out in England.

If you had one and you lost it, you do not need a replacement.

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Find out what an NHS number is and what it's used for.

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What is a National Insurance Number/ Beth yw Rhif Yswiriant Gwladol?

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What is a National Insurance Number/ Beth yw Rhif Yswiriant Gwladol?

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National Insurance is a tax on earnings and self-employed profits. You normally start paying when you turn 16 and earn over a certain amount.

You will need your National Insurance too:

Apply or Employment

Access State Pension

Access Universal Credit

Access Maternity Allowance

Treth ar enillion ac elw hunangyflogedig yw Yswiriant Gwladol. Fel arfer byddwch yn dechrau talu pan fyddwch yn troi'n 16 oed ac yn ennill dros swm penodol.

Bydd angen eich Yswiriant Gwladol arnoch hefyd:

Gwneud Cais neu Gyflogaeth

Mynediad at Bensiwn y Wladwriaeth

Credyd Cynhwysol

Mynediad at Lwfans Mamolaeth

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Accessing Your National Insurance Number/ Cyrchu Eich Rhif Yswiriant Gwladol:

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Accessing Your National Insurance Number/ Cyrchu Eich Rhif Yswiriant Gwladol:

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1. Your Social worker should apply for this when a young person is 15 years and 9 months old.

2. They will right to HMRC with your details i.e. full name, any previous names, date of birth, date of when you went into care, your address and your social workers details.

3. Your social worker will also send a copy of your birth certificate & passport and a copy of your care order.

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How to get a National Insurance number for a child who is in the care of a local authority.

Overview

Children who are looked after by local authorities do not automatically get a National Insurance number.

If you're a children's social worker, write to HMRC to apply for a National Insurance number on the child's behalf.

How to apply

You should apply after a child is 15 years and 9 months old. Write to HMRC using your local authority's official letter headed paper.

You must explain in your letter that you're applying for a National Insurance number for a looked after child and give your contact details.

You must also include:

a statement that you're a social worker applying for a National Insurance number for a looked after child

the child's full name

any previous names the child has used

the child's date of birth

the date the child went into care

the child's current residential address

the contact details of the social worker who has written the letter

If possible, the letter should also include:

any previous addresses (such as their parent's old address or the child's last address before they were taken into care)

a photocopy of any of the following:

the child's birth certificate

their Care Order

the ID page of the child's passport

If the child is an unaccompanied minor and supported by the Home Office, you must include photocopies of either:

the child's Home Office documents

both sides of a residence permit

Post or fax the letter and photocopies of any documents to:

Make sure you send photocopies, as we're not able to send these back to you.

There must be a separate letter for each application for a National Insurance Number.

We do not accept emails.

What happens next

HMRC will send a letter to the child confirming their National Insurance number.

If we need more information, we'll get in touch with the social worker using their contact details.

If you would like an update on your application for a child who is being looked after by a local authority, contact the Juvenile team:

Telephone: 03000 555 716
Monday to Thursday: 8:30am to 5pm (closed bank holidays)
Friday: 8:30am to 4:30pm
Find out about call charges

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Get a National Insurance number for a looked after child

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How to get a National Insurance number for a child who is in the care of a local authority.

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What happens if I loose my National Insurance Number?/ Beth fydd yn digwydd os byddaf yn colli fy Rhif Yswiriant Gwladol?

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What happens if I loose my National Insurance Number?/ Beth fydd yn digwydd os byddaf yn colli fy Rhif Yswiriant Gwladol?

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If you have lost your national insurance number, please complete this form.

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nics_iforms/1.0/ca5403/ca5403.xdp - Print and Post Forms - GOV.UK

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Advocacy and Support/ Eiriolaeth a Chymorth: 

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Advocacy and Support/ Eiriolaeth a Chymorth: 

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Free Dental Care/ Gofal Deintyddol Am Ddim:

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Free Dental Care/ Gofal Deintyddol Am Ddim:

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To apply for free NHS Dental Care, you’ll need to request application forms from your midwife, GP or health visitor. You’ll receive a Maternity Exemption Certificate which will remain valid throughout your pregnancy, and for 12 months from your due date (pre-birth applications) or your baby’s actual date of birth (post-birth applications).

I wneud cais am Ofal Deintyddol GIG am ddim, bydd angen i chi ofyn am ffurflenni cais gan eich bydwraig, meddyg teulu neu ymwelydd iechyd. Byddwch yn derbyn Tystysgrif Eithrio Mamolaeth a fydd yn parhau'n ddilys trwy gydol eich beichiogrwydd, ac am 12 mis o'ch dyddiad geni (ceisiadau cyn geni) neu ddyddiad geni gwirioneddol eich babi (ceisiadau ar ôl geni).

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Sure Start Maternity Grant/ Grant Mamolaeth Cychwyn Cadarn

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Sure Start Maternity Grant/ Grant Mamolaeth Cychwyn Cadarn

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A one-off £500 payment from the Social Fund to help with the cost of your baby.

Eligibility:

You’ll get the grant if your new baby is the only child under 16 in your family and you or your partner get one of the following benefits:

Pension Credit

Income Support

Universal Credit

Income-based Jobseeker’s Allowance

Income-related Employment and Support Allowance

Child Tax Credit at a higher rate than the family element

Working Tax Credit which includes a disability or severe disability element.

To Apply for this - please complete the attached form:

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Healthy Start Food Payments/ Taliadau Bwyd Cychwyn Iach

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Healthy Start Food Payments/ Taliadau Bwyd Cychwyn Iach

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The NHS Healthy Start scheme pays eligible families with young children (or expecting a child) up to £8.50 a week to help pay for ‘healthy’ foods such as fruit, vegetables and milk. You also get free vitamin supplements.

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Applying online

If you get Universal Credit, you can apply online if:

you're more than 10 weeks pregnant or have at least one child under 4 years old

your family's monthly 'take-home pay' (also called 'earned income') is £408 or less from employment

If you get Child Tax Credit, you may be eligible for Healthy Start if:

your family's annual income is £16,190 or less

you do not get Working Tax Credit

Most people who get Child Tax Credit can apply online. You can apply online if you're either:

more than 10 weeks pregnant and have children under the age of 4

not pregnant but have children under the age of 4

If you're more than 10 weeks pregnant and have other children who are all aged 4 or older, you'll need to apply by email or phone.

To apply online, you'll need your:

name

address

date of birth

National Insurance number

baby's due date (if you're pregnant)

benefit award letter if you're over 18 - make sure you enter the exact details shown on your benefit award letter

Make sure that your details are up to date with HMRC or DWP - you may wish to contact them to check or update your details before you apply.

Applying by email or phone

You can apply by email or phone if you're more than 10 weeks pregnant, or have at least one child under 4 years old, and get either:

Income Support

Income-based Jobseeker's Allowance

Pension Credit (which includes the child addition)

You can also apply by email or phone if you're more than 10 weeks pregnant and either:

under 18 years old and not getting any benefits

getting Income-related Employment and Support Allowance (ESA)

If you get Child Tax Credit, you'll need to apply by email or phone if you're more than 10 weeks pregnant and have other children who are all aged 4 or older.

You can apply by either:

Phone lines are open 8am to 6pm Monday to Friday (except public holidays). Find out about call charges (opens in a new tab).

If you're not a British citizen but your child is

You might be eligible for Healthy Start depending on your immigration status.

You can get Healthy Start if all the following are true:

Your biometric residence permit (BRP) or your online immigration status (opens in a new tab) will say if you cannot claim public funds. You might also have a letter from the Home Office about it.

To apply for Healthy Start, ask for an application form via email. Only use this email address if you think you cannot claim public funds because of your immigration status.
Healthystartclaim@dhsc.gov.uk

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If you get Universal Credit, you can apply online if: you're more than 10 weeks pregnant or have at least one child under 4 years old your family's monthly 'take-home pay' (also called 'earned income') is £408 or less from employment If you get Child Tax Credit, you may be eligible for Healthy Start if: your family's annual income is £16,190 or less you do not get Working Tax Credit Most people who get Child Tax Credit can apply online.

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Child Benefit Application Form/ Ffurflen Gais Budd-dal Plant:

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Child Benefit Application Form/ Ffurflen Gais Budd-dal Plant:

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Child Benefit is a regular payment of money from the government to help with the cost of raising a child.

The rates for the 2024/25 tax year are:

£25.60 a week for the eldest or only child

£16.95 a week for each additional child.

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Financial Contingency Fund/ Cronfa Ariannol Wrth Gefn:

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Financial Contingency Fund/ Cronfa Ariannol Wrth Gefn:

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Payments from your college or university to help with the costs of childcare if you’re on a low income.

Taliadau gan eich coleg neu brifysgol i helpu gyda chostau gofal plant os ydych ar incwm isel.

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Financial Support | Adult Learning Wales

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Support for learners enrolled with Adult Learning Wales

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These are Weekly payments to help up to 85% of your childcare costs.

Taliadau Wythnosol yw'r rhain i helpu hyd at 85% o'ch costau gofal plant.

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Childcare Grants for full-time students in higher education - grants, CCG1, CCG2 forms, how to apply, eligibility

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When you leave the house, make sure all your lights/ electrics and WIFI are off. This will save money on electric.

Look at social tariffs (links below in 'benefits for independent living)

Pan fyddwch chi'n gadael y tŷ, gwnewch yn siŵr bod eich holl oleuadau/ trydan a wifi i ffwrdd. Bydd hyn yn arbed arian ar drydan.

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Project Unity: Support for Young Mums in Wales / Undod: Cefnogaeth i Famau Ifanc yng Nghymru

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Project Unity: Support for Young Mums in Wales / Undod: Cefnogaeth i Famau Ifanc yng Nghymru

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Project Unity supports pregnant women and young mums with care experience to engage with services, access practical and emotional support and learn new life skills. During this project, NYAS Cymru aims to keep families together, wherever possible.

The participants in Project Unity can also get involved in projects with other young women who have similar experiences. This project provides confidence building, access to resources and grants, housing support and budgeting guidance.

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Project Unity | Young Mother Support | NYAS

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Project Unity supports pregnant women and young mums with care experience to engage with services, access practical and emotional support and learn new life skills. During this project, NYAS Cymru aims to keep families together, wherever possible. The participants in Project Unity can also get involved in projects with other young women who have similar experiences.

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Neath Port Talbot Midwives / Bydwragedd porthladd talbot neath

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Neath Port Talbot Midwives / Bydwragedd porthladd talbot neath

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Expecting the pitter patter of tiny feet? Congratulations! You are embarking on one of life's great journeys. But while this can be a wonderful time, it is natural to feel some worry and uncertainty about what's to come. We know that where and how you give birth can have a huge effect on you mentally and physically.

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Our Mums Matter project offers a warm and supportive environment to new mothers. An opportunity to learn new tips to help with anxiety, low mood and self-esteem. It’s a 6 to 8 week course designed by Mums for Mums. Being a Mum can have a huge impact on our lives and being surrounded by others with similar experiences can help relieve the feelings of loneliness that this new time in our lives can bring.

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Post natal mental health/ Iechyd Meddwl Ôl -enedigol

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Post natal mental health/ Iechyd Meddwl Ôl -enedigol

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Postnatal mental health | Talking about mental health - Episode 13

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Help for families - Neath Port Talbot Council

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We offer a range of free information for families living in Neath Port Talbot

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Parenting Support/ Cefnogaeth Magu Plant

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Parenting Support/ Cefnogaeth Magu Plant

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Parenting support - Neath Port Talbot Council

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Information on Parenting Support in the Flying Start Programme

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Banking - changing your address/ Bancio - Newid eich cyfeiriad

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Banking - changing your address/ Bancio - Newid eich cyfeiriad

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You will be able to change your address on any banking website or app. In the search bar- type change address and follow the link.

Byddwch yn gallu newid eich cyfeiriad ar unrhyw wefan neu ap bancio. Yn y cyfeiriad newid math bar a dilynwch y ddolen

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Money- putting some aside/ Arian - Rhoi rhywfaint o arian heibio

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Money- putting some aside/ Arian - Rhoi rhywfaint o arian heibio

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Money Saving tips/ Awgrymiadau Arbed Arian

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Money Saving tips/ Awgrymiadau Arbed Arian

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Join over 8 million people with a Monzo account. See, save, and spend your money with Monzo.

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Choosing a Savings Account/ Dewis Cyfrif Cynilo

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Choosing a Savings Account/ Dewis Cyfrif Cynilo

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Chip is a savings app you connect to your current account via 'Open Banking'. It then uses an algorithm to work out how much you can afford to save, and automatically puts that aside for you - great for those without the self-discipline needed.

Autosave with Chip and get 0.7% interest. Normally autosave apps pay little interest. But Chip* has partnered with Allica Bank to offer a 0.7% AER variable interest easy-access account - which beats the top normal savings account - though Chip charges a £1.50 fee every four weeks, which would outweigh the interest gain for most.

Yet if you're new to Chip we've a code to get £20 cashback, which covers the fee for over a year. Sign up to Chip's app* and select the 'ChipAI' plan, and it'll set up a Chip Savings Account. Once you've registered, enter code CHIPMSE07 in 'Earn and track rewards' on the app's 'Profile' tab. Save at least £1 with Chip by 11.59pm on Tuesday 12 October and the £20 is paid on Saturday 13 November - just keep £1+ there until it's paid. You can then withdraw it to your linked current account to cover the fees, which are charged to your debit card. The cashback is only for new Chip customers.

How to get the 0.7% interest: The standard Chip Savings Account doesn't pay interest, so head to the 'Accounts' tab and open the Allica Bank account (min deposit £1, max £30,000; interest paid daily). Make sure you go into your 'Autosave settings' to ensure that's where your autosaves are going. If you reach the max £30,000, autosaves will automatically stop.

Want the 0.7% interest without autosaving? Follow the same process as above to register with Chip and set up the Allica account. Then pause autosaving by going to your profile in the app, then 'Autosave settings' then 'Skip autosaves' and choose a date - it allows this for up to three months at a time so you'll need to remember to keep doing it. Note that the maximum you can deposit in a single transaction is £5,000 - if you want to save the full £30,000 you'll need to do it in six lots of £5,000.

Which current account providers does it work with? Chip connects to most (but not all) major current account providers. It will work with Bank of Scotland, Barclays, Danske, First Direct, Halifax, HSBC, Lloyds, Monzo, Nationwide, NatWest, RBS, Revolut, Santander, Starling, TSB and Ulster Bank.

Are my savings safe? The money you put in is held by Allica Bank, which has the usual £85,000 per person protection under the Financial Services Compensation Scheme. If you have any money in the Chip Savings Account, that's covered by ClearBank's protection.

How long do I have to keep the account? You can withdraw your money whenever you want - but you'll need to keep £1+ there until at least Saturday 13 November if you want the cashback. If after that point you want to save elsewhere, you're free to do so.

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Chip is a savings app you connect to your current account via 'Open Banking'. It then uses an algorithm to work out how much you can afford to save, and automatically puts that aside for you - great for those without the self-discipline needed. Autosave with Chip and get 0.7% interest.

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Top Tips to Save Money in the House/ Syniadau Da i Arbed Arian yn y Tŷ:

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Top Tips to Save Money in the House/ Syniadau Da i Arbed Arian yn y Tŷ:

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Other savings ideas:

Have a ''no spend day''

Meal Prep

Shop Mid-week (in the evenings) - Stores try to get rid of food before sell-buy date so you can freeze them.

Turn everything off before leaving the house (WIFI, lights, kettle etc)

Syniadau cynilo eraill:

Cael ''diwrnod dim gwario''

Paratoi Prydau

Siop Canol yr wythnos (gyda'r nos) - Mae siopau'n ceisio cael gwared ar fwyd cyn ei werthu-brynu dyddiad fel y gallwch eu rhewi.

Trowch bopeth i ffwrdd cyn gadael y tŷ (WIFI, goleuadau, tegell ac ati)

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Home

Hello, we are your local Mind Charity. We provide support and a range of quality services to individuals living with a mental health diagnosis or experiencing emotional distress

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Mind Neath Port Talbot - Your Local Mental Health Charity

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Hello, we are your local Mind Charity. We provide support and a range of quality services to individuals living with a mental health diagnosis or experiencing emotional distress This website uses cookies to improve your experience. We'll assume you're ok with this, but you can opt-out if you wish.

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Prevention and Wellbeing Service (PAWS) Neath Port Talbot

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Neath Port Talbot Prevention and Wellbeing Support (PAWS) is available to anyone who needs housing-related support.

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Health and Wellbeing / Cymorth a lles arall

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Health and Wellbeing / Cymorth a lles arall

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Health and wellbeing - Neath Port Talbot Council

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C.A.L.L. Mental Health Helpline / Ffoniwch linell gymorth iechyd meddwl

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C.A.L.L. Mental Health Helpline / Ffoniwch linell gymorth iechyd meddwl

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Try our new self assessment tool

looking after your mental wellbeing

We are living through a difficult time and it is more important than ever to look after your mental health and wellbeing.

Are you a young person looking for advice? Take a look at our page for children and young people.

Community Advice & Listening Line

Offers emotional support and information/literature on Mental Health and related matters to the people of Wales.

Anyone concerned about their own mental health or that of a relative or friend can access the service. C.A.L.L. Helpline offers a confidential listening and support service.

Mind Cymru is here to support you, whether you're living with a mental health problem, or supporting someone who is.

Visit our website for information on mental health conditions, treatment and where to get help: MIND Services

Contact our legal line for general advice on mental health related law: Legal Line

Join the Elefriends community for online peer support: Elefriends

Be part of Time to Change Wales, to end metal health stigma: TTCW

You can also order up to 3 free Mental Health related leaflets from a wide selection available.

Are you having debt, housing or financial problems?

Are you suffering from stress or anxiety due to financial problems? Ring us; we can put you in touch with the right people.

The Mental Health Helpline service is available 24 hours a day, 7 days a week, 365 days of the year.

Our admin office is available during office hours only (9am - 5pm, Monday to Friday).

Supporting Those Living With Dementia And Their Carers

The helpline offers emotional support to anyone, of any age, who is caring for someone with Dementia as well as other family members or friends.

The service will also help and support those who have been diagnosed with Dementia.

Get information sent to your mobile phone

C.A.L.L. Helpline has launched a Mental Health text messaging service allowing people to access support and information via a text message from their mobile phone.

The Staying Safe website is a potentially life-saving resource developed by 4 Mental Health, with invaluable with invaluable input from our Expert Reference Group of international academics, people with lived experience (including of surviving a suicide attempt, self-harm, supporting a friend or family member or bereavement by suicide), suicide prevention experts, mental health practitioners, general practitioners, policy makers, public health experts, sector experts, educationalists and concerned citizens.

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C.A.L.L. Mental Health Helpline For Wales

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Try our new self assessment tool looking after your mental wellbeing We are living through a difficult time and it is more important than ever to look after your mental health and wellbeing. Are you a young person looking for advice? Take a look at our page for children and young people.

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Life, work and wellbeing / Bywyd, gwaith a lles

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Life, work and wellbeing / Bywyd, gwaith a lles

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Skip to content

We work with people to identify and harness their skills, connect with peers and to feel a valued part of their community.

Having connections, aspirations, and a sense of purpose is essential to wellbeing. Our projects work with people to achieve this, and provide support networks wherever needed.

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Skip to content We work with people to identify and harness their skills, connect with peers and to feel a valued part of their community. Having connections, aspirations, and a sense of purpose is essential to wellbeing. Our projects work with people to achieve this, and provide support networks wherever needed.

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Mental Health Wellbeing / Lles iechyd meddwl

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Mental Health Wellbeing / Lles iechyd meddwl

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Neath Port Talbot Community Voluntary Service - Supporting, Promoting and Developing the Voluntary Sector

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Mental Health wellbeing - Neath Port Talbot Community Voluntary Service

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Neath Port Talbot CVS has made a TTCW organisational pledge, which is a public declaration that an organisation wants to tackle mental health stigma and discrimination. This pledge focuses the organisation to take actions that are realistic and that will lead to a reduction in discrimination within Neath Port Talbot CVS and the wider community.

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NPT Employability - Neath Port Talbot Council

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Neath Port Talbot Communities for Work+ / Cymunedau porthladd neath talbot ar gyfer gwaith+

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Neath Port Talbot Communities for Work+ / Cymunedau porthladd neath talbot ar gyfer gwaith+

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Employment Support | Neath Port Talbot Communities For Work | Wales

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The Communities for Work Plus (CfW+) project supports local individuals to find employment and training opportunities. The project can help individuals aged 16 and above, living in NPT who are either unemployed or working low hours/part time/on zero hour contracts/experiencing in-work poverty.

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Skills & Training / Sgiliau a Hyfforddiant

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Skills & Training / Sgiliau a Hyfforddiant

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Skills and Training | Business Support Services | Neath Port Talbot

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Find skills and training support for your business in Neath Port Talbot. We share business support services to recruit and train employees.

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Turn2Us - Advice Finder - Neath Port Talbot Advisers

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This page lists all Neath Port Talbot Advisers