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Budget Planner | Free online budget planning tool | MoneyHelper

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Discover our free online MoneyHelper Budget Planner calculator to gain a better understanding of your money coming in and out, and how to improve your finances.

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Help someone to check their state pension

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Help someone to check their state pension

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Use this service to find out:

how much State Pension you could get

when you can get it

how to increase it, if you can

The State Pension age is regularly reviewed, so the results of this tool may change in the future. You can read about the results of the most recent review.

You cannot use this service if you're already getting your State Pension or if you've delayed ('deferred') claiming it.

To use this service, you'll need to prove your identity using Government Gateway. You'll be able to register for Government Gateway if you have not used it before.

Other ways to apply

Applying online is the quickest way to get a forecast. If you'll reach your State Pension age in more than 30 days you can also:

If you're already getting your State Pension or have delayed claiming it

To get information about your State Pension, contact the Pension Service if you're in the UK or the International Pension Centre if you live abroad.

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Find out how much State Pension you could get (your forecast), when you could get it and how you could increase it

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Help someone find free trustable debt advice

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Help someone find free trustable debt advice

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Debt Advice Locator | Syndication | MoneyHelper

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This tool provides free, confidential help and debt advice services across the UK. Find out how you can embed the tool on your website.

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My one thing for Talk Money Week - rewriting our wills and making guardianship arrangements for our son.

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Making a will and planning what to leave | MoneyHelper

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Making a will and planning what to leave is a difficult task. Find out how to leave money and assets in a will, and how to discuss wills with loved ones.

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Put something in your social media to help people begin these conversations. linked to the hashtag do one thing!

eg "It's tough at the moment isn't it? I don't know about you I'm struggling..."

PS I'm not great at social media but some of you will be!!

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I completed a Pension Credit Calculation on Pension Credit calculator - GOV.UK for a family friend and they qualified!

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Get an estimate of how much Pension Credit you may be entitled to

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We regularly get asked to speak on the local radio - I always try to offer one good tip last time it was a silly one "make yourself a drink and get comfortable before you phone the agency to make being on hold less difficult" Or "did you know a good friend can sit with you and help make these difficult calls as long as you agree..." You get the idea!!

The great thing these days is you can do the "interview" over the phone so less stressful for you!

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Frontline Network - About the Training Fund Training Fund | St Martin in the Field (frontlinenetwork.org.uk)

If you are a frontline worker or team and have identified a training course or event that will help you in your current work with people experiencing homelessness, but your organisation is not able to fund it, we may be able to help. Individuals can apply for up to £500 to cover the cost of training or events and groups can apply for up to £1,500.

At the Frontline Network we are committed to listening to the voices of staff working directly with people experiencing homelessness, and to responding to the challenges being faced in the sector. The Training Fund exist to support frontline workers with people experiencing homelessness to access training and skills development opportunities, if their organisation is unable to fund them.

Please read our Training Fund Guidelines before applying.

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We’re the Frontline Network. We support workers from the public, statutory and voluntary sectors working on the frontline with people experiencing homelessness

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Helping you understand, manage & improve your mental health and money issues

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Helping you understand, manage & improve your mental health and money issues

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Clear, practical advice and support for people experiencing issues with mental health and money

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The Mental Health and Money Advice service

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The Mental Health and Money Advice service help and support people understand, manage and improve their money and mental health issues.

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Money and Mental Health

The Money and Mental Health project is a service offered by Kent Citizens Advice offices to help clients living with mental health issues, who need advice dealing with debt and other related issues.

Whilst the primary focus of the project is in helping with debt/money issues, the service we offer is holistic and where we identify other advice that might be needed, our project workers will make sure that appropriate help is given.  This may involve, for example, giving advice on benefits, housing and employment issues.  We are more limited in the advice we can give regarding family/relationship matters but may be able to sign-post clients to other organisations, which would be able to offer more specialist advice in this area.

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Money and Mental Health - Citizens Advice in North & West Kent

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The Money and Mental Health project is a service offered by Kent Citizens Advice offices to help clients living with mental health issues, who need advice dealing with debt and other related issues.

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Mind reveals mental health toll of cost-of-living crisis, with 2.7 million people considering suicide because of financial pressure

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Mind reveals mental health toll of cost-of-living crisis, with 2.7 million people considering suicide because of financial pressure

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Research published by Mind today shows the full impact of the cost-of-living crisis on the nation’s mental health, with three in every 50 (6%) people in England and Wales saying they have considered ending their lives because of it.

Other findings include that one in five (20%) people report worsening depression because of the cost of living, and one in ten (10%) developing disordered eating as a result.

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I've just done this - put a brief note in local news sheets - in my case the church notice sheet to get people starting to talk about money - it is such an awkward subject for so many, hopefully they wont all be coming to see me!!

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Worrying about money can affect our mental wellbeing and our ability to manage money can be affected by a mental health issue. The two are often linked.

Increasing cost-of-living pressures can lead to more financial stress, so knowing ways to look after your mental health when dealing with money problems is more important than ever.

Find out how to look after your mental health when dealing with money issues, plus get money advice including where to get more support if needed.

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Money worries and mental health - Every Mind Matters

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Find out what can help you look after your mental wellbeing when you have money worries, including practical self-care advice and ways to manage money problems.

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Ask your clients how much they spend on gambling - lottery, bingo, etc. Start that conversation. 

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Ask your clients how much they spend on gambling - lottery, bingo, etc. Start that conversation. 

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When completing a financial statement or discuss a budget with your clients, ask them how much they spend on gambling - things like lottery, bingo, etc. Starting that conversation could reveal if some is impacted by harmful gambling. This could be their own or a loved one.

If you identify someone who may need support about their own or someone else's gambling, you can signpost them to GamCare where they can speak to some and get gambling support and specialised money guidance. They can also access our Money Guidance toolkit and other online resources.

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Gambling can lead to financial problems. If you are facing financial difficulties because of your own or someone else's gambling, getting your finances under control is an important step towards recovery.

Gambling should never be viewed as a way to make money or overcome financial difficulties. The longer you gamble, the more you will lose. Instead, there are practical steps you can take to get you through tougher times, a nd ways to protect your loved ones from financial harm too.

Below are a series of factsheets created by our Money Guidance Service team to help you manage your money. There is a wealth of information here, plus links to other organisations that can help. Click on any of the underlined links to access further support from GamCare or other agencies.
GamCare is not responsible for content on external websites . T he information supplied may change. GamCare may occasionally update and grow these factsheets.

Does my bank block gambling transactions?

Many banks offer gambling blocks or other tools to help you manage gambling spend. We've put together a blog that tells you everything you need to know about banking tools offered.
Still overwhelmed by money worries caused by gambling?

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Information and advice on managing the impacts gambling can have on your finances, bank blocks, bard blocks.

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Reporting a loan shark

If you’ve found out that a lender is a loan shark, you can report them anonymously. You can either call or make a report online if you’d prefer not to talk to someone:

If you live in England, you can report them to the Stop Loan Sharks team by calling 0300 555 2222 or visit Stop Loan SharksOpens in a new window

If you live in Scotland, call the Scottish Illegal Money Lending Unit on 0800 074 0878 or Trading Standards ScotlandOpens in a new window

If you live in Wales, call the Wales Illegal Money Lending Unit on 0300 123 3311 or visit Stop Loan Sharks WalesOpens in a new windowStop Loan Sharks WalesOpens in a new window

If you live in Northern Ireland, call the Trading Standards Consumerline on 0300 123 6262 or visit nidirect

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To make sure you're getting all the benefits, services and supports you're entitled to, make the call(network charges may apply)0800 232 1271

Contact the Make the Call team

You can check if you’re getting all the money, supports and services you’re entitled to by contacting the Make the Call team.

Make the call will carry out a needs assessment based on your personal circumstances and look at what benefits, supports and services that may be available to you.
If you are considering a move to Universal Credit from another benefit, you should seek independent advice before making your claim.
You can also use a benefit calculator

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Last year nearly 5,000 people who contacted the Benefits Advice Line got advice about unclaimed benefits. Make the call.

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Why you should use this calculator

Quickly see if you could claim extra regular payments, like Universal Credit and Child Benefit.

See if you qualify for other help and grants, like free school meals and money towards your heating bills.

Check what support you can get if your circumstances have changed.

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Answer four simple questions for a quick estimate of how much you could boost your income by each month.

After that, it only takes a few minutes to enter more details and get a list of the benefits, payments or vouchers you could qualify for and how you can claim them.

Claiming benefits could mean you get government Cost of Living Payments, money towards your heating bills with Warm Home Discount, free school meals and grants to help with paying for school uniform.

Any information you put into the calculator is confidential and we don't store it or share it with anyone else.

Our benefits calculator is to be used as a guide only. The calculator may give you details of benefits you are claiming already. For a full benefits check from a specialist near you, visit Advice LocalOpens in a new window

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Answer four simple questions for a quick estimate of how much you could boost your income by each month. After that, it only takes a few minutes to enter more details and get a list of the benefits, payments or vouchers you could qualify for and how you can claim them.

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Teaching children about money when they’re young helps them develop the skills they’ll need as adults. ‘Talk Learn Do’ is a free resource to support parents and carers:

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Teaching your children about money from a young age helps them develop the skills they'll need as adults. We can show you how to talk to 3- to 11-year-olds about money. This doesn't need to be complicated - children can learn about money from being involved in everyday activities.

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Teach your children about money by getting them involved in everyday activities.

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If you’re buying online, paying in a shop or even ordering a takeaway, Buy Now Pay Later (BNPL) can seem like a quick and easy way to pay. But BNPL is a form of borrowing so you need to think carefully before using it, especially if you’re spending more than you can afford to pay back

https://www.moneyhelper.org.uk/en/everyday-money/credit/what-are-buy-now-pay-later-purchases

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Positive behaviour change with energy savings to help financial expenditure

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Here are the top 5 energy saving tips from Warm Wales, to help lower your bills. These tips you can do yourself & don’t cost any money. Getting into these habits can see your energy bills lowering. Every small change you make can have a positive impact! Taking shorter showers can help save you money … Continued

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Credit unions offer a wide range of services and products to cater for their members needs, including affordable loans, secure savings, and insurance services.

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Credit unions offer members the chance to have control over their own finances by making their own savings work for them.

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Start with the Money Guidance Competency Framework

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Start with the Money Guidance Competency Framework

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Our framework is for anyone, or any organisation, giving any type of money guidance. All in one place, it’ll help you think clearly about what you’re offering, and feel confident, safe and proud that you’re giving the right money guidance. Get going by watching the video, then explore the framework below.

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SAVING GENERATION Z - How 16-27 Year Olds Save and Spend

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SAVING GENERATION Z - How 16-27 Year Olds Save and Spend

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All Our Health: personalised care and population health

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All Our Health: personalised care and population health

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A development programme of educational resources on critical public health topics for people who work in the health and care sector and the extended public health workforce.

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All Our Health is a call to action for all healthcare professionals to use their skills and relationships to maximise their impact on avoidable illness, health protection and promotion of wellbeing and resilience.

All Our Health e-learning sessions

Interactive All Our Health e-learning sessions, written by PHE and developed by Health Education England's e-Learning for Healthcare, are available to increase the knowledge, confidence and skills of all health and care professionals in embedding prevention in their day to day practice.

Further comments can be sent to allourhealth@phe.gov.uk.

Guidance and evidence to enable healthcare professionals to make improvements against wider factors that affect health and wellbeing and health inequalities.

Guidance and evidence to enable healthcare professionals to help people live healthy lifestyles, make healthy choices and reduce health inequalities.

Guidance and evidence to enable healthcare professionals to protect the population's health from major incidents and other threats.

Guidance and evidence to enable healthcare professionals to help people stay independent, maximising wellbeing and improving health outcomes.

Guidance and evidence to enable healthcare professionals to reduce premature deaths and the number of people living with preventable ill health.

Guidance and evidence to enable healthcare professionals to reduce the impact of health challenges at key life stages to improve population health.

Guidance to support healthcare professionals in their role to commission and deliver integrated services to local populations.

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All Our Health: personalised care and population health

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All Our Health is a call to action for all healthcare professionals to use their skills and relationships to maximise their impact on avoidable illness, health protection and promotion of wellbeing and resilience.

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Crosslight Advice runs a free Money Course which all are welcome to take part in - you can join a live online course (via Zoom) or work through the self-led version at your own pace (or come along to an in-person session if you live in West London or Kent!).

We also run other free Money Skills workshops such as our Cost of Living Toolkit, as well as workshops for professionals and practitioners who want to feel more confident in supporting others with managing their finances.

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We are all great at what we do but in many cases we skim the surface, I intend to continue to make people in my area understand that it's ok to ask for help as there is more than they know is available and to be non partisan so I give other services details out too as it build rapport and trust for those who believe they have been left behind.