Food bank financial wellbeing by https://padlet.com/nigeloaneacram1/financialwellbeing en-us 2023-06-28 12:05:45 UTC 2025-08-28 08:34:48 UTC hello@padlet.com Claim what's yours nigeloaneacram1 https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2634319383 2023-06-28 12:18:16 UTC https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2634319383 Step Change- debt advice nigeloaneacram1 https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2634319676 2023-06-28 12:18:54 UTC https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2634319676 nigeloaneacram1 https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2634321090 It may be beneficial to access advice. Below are some examples of services that offer advice on a variety of topics.

In addition to the below will be local services in your area. ]]> 2023-06-28 12:21:29 UTC https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2634321090 Citizens Advice website nigeloaneacram1 https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2634322317 Information and advice on a range of topics including:
- benefits
- housing
- debt
- employment
- and much more]]> 2023-06-28 12:23:43 UTC https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2634322317 Money Helper nigeloaneacram1 https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2634323000 A website providing lots of useful information and resources on a range of topics]]> 2023-06-28 12:25:07 UTC https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2634323000 Budget Planner nigeloaneacram1 https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2634323345 2023-06-28 12:25:57 UTC https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2634323345 Baby Cost Calculator nigeloaneacram1 https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2634323695 2023-06-28 12:26:29 UTC https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2634323695 Kinship Carers- information and advice nigeloaneacram1 https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2634324677 2023-06-28 12:27:48 UTC https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2634324677 Carers- help and advice nigeloaneacram1 https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2634325344 2023-06-28 12:28:48 UTC https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2634325344 Older people- help & advice nigeloaneacram1 https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2634325745 2023-06-28 12:29:43 UTC https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2634325745 Bill prioritiser tool nigeloaneacram1 https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2634326862 A useful tool to work out which bills you need to action first, tips on steps to take and the consequences of not paying]]> 2023-06-28 12:31:52 UTC https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2634326862 Childcare Offer nigeloaneacram1 https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2634328912 You may be entitled to claim for up to 30 hours childcare per week if:
- you have a child aged 3 or 4
- be employed and earn at least, on average, the equivalent to working 16 hours a week at the National Minimum Wage or Living Wage
- Or be enrolled on either an undergraduate, postgraduate or further education course that is at least 10 weeks in length]]> 2023-06-28 12:35:14 UTC https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2634328912 Council Tax debt nigeloaneacram1 https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2634336884 2023-06-28 12:47:51 UTC https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2634336884 Could you be entitled to a council tax reduction? nigeloaneacram1 https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2634338333 You may be entitled to a council tax reduction if:

 
]]> 2023-06-28 12:50:05 UTC https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2634338333 Ex forces? nigeloaneacram1 https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2634339773 2023-06-28 12:52:27 UTC https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2634339773 Turn2Us- grant search tool nigeloaneacram1 https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2634340719 Depending on your circumstances you may be entitled to a one off grant if you are dealing with a crisis]]> 2023-06-28 12:54:05 UTC https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2634340719 Discretionary Assistance Fund (DAF) nigeloaneacram1 https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2634341366 2023-06-28 12:55:13 UTC https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2634341366 National Debtline nigeloaneacram1 https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2634344129 2023-06-28 12:59:57 UTC https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2634344129 Help through Hardship helpline nigeloaneacram1 https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2634344533 2023-06-28 13:00:36 UTC https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2634344533 Healthy Start nigeloaneacram1 https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2634345421 Support for eligible households towards the cost of food and milk etc when you have a baby]]> 2023-06-28 13:02:11 UTC https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2634345421 Child Benefit nigeloaneacram1 https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2634345960 2023-06-28 13:03:11 UTC https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2634345960 Struggling with my mortgage nigeloaneacram1 https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2634378356 Hints and tips if you are struggling to pay your mortgage]]> 2023-06-28 13:51:09 UTC https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2634378356 Missed a payment? nigeloaneacram1 https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2634379434 Speak to your lender urgently and discuss the options available. Don't wait for them to contact you]]> 2023-06-28 13:52:49 UTC https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2634379434 Welsh Water support nigeloaneacram1 https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2634383644 Support available includes:
- HelpU: a social tariff
- Request a short term payment break
- Spread the cost of your bill
- Water Sure- eligible to individuals on specific benefits who have a medical condition that requires extra water use]]> 2023-06-28 14:00:02 UTC https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2634383644 Marriage allowance nigeloaneacram1 https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2634400322 If you/your husband/wife/civil partner earn less than their personal allowance (£12,570) you may be able to transfer some of your personal allowance to them]]> 2023-06-28 14:26:23 UTC https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2634400322 Tax relief for job expenses nigeloaneacram1 https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2634402071 If your employer doesn't pay expenses for essential uniform etc you may be eligible for tax relief]]> 2023-06-28 14:29:08 UTC https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2634402071 Child Trust Fund nigeloaneacram1 https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2635837320 Do you have a child born between 1 September 2002 and 2 January 2011?
If so, they will have a Child Trust Fund (£250 invested by UK Government when they were born). This can be accessed once they turn 18. ]]> 2023-06-30 08:40:09 UTC https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2635837320 Pension Credit nigeloaneacram1 https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2635837808 Pension Credit gives you extra money to help with your living costs if you’re over State Pension age and on a low income.]]> 2023-06-30 08:41:10 UTC https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2635837808 TV licence concessions nigeloaneacram1 https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2635838690 There are some situations where you may receive a free/discounted TV licence]]> 2023-06-30 08:42:48 UTC https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2635838690 Behind on any payments/risk of not paying nigeloaneacram1 https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2635841654 If you are concerned that you can’t pay your rent / mortgage / council tax let your landlord / lender / local authority know as soon as possible and ask for help.
For information on which bills are a priority look at the bill prioritiser tool below]]> 2023-06-30 08:47:18 UTC https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2635841654 Turn2Us Benefits Calculator nigeloaneacram1 https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2637848086 Take a few minutes to check if you may be entitled to any benefits.
Remember nearly 30% of Universal Credit claimants in Wales are also employed]]> 2023-07-04 08:23:36 UTC https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2637848086 Ask a question anonymously nigeloaneacram1 https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2639538813 If you have a question or need guidance on a topic not covered, click on the link to complete a form anonymously.


I will then update this padlet with the requested information/resources

]]> 2023-07-06 09:12:54 UTC https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2639538813 Do you need a direct response? nigeloaneacram1 https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2639540412 If you need a direct response to your query, you are welcome to send me an email outlining your query. nigel.oanea-cram@trussell.org.uk


In doing so, you are consenting to me responding to your query.


I will not pass on details of any individual raising a query to any other individual. If I believe information relating to the query will benefit others, I will also post generic information to this padlet.

]]> 2023-07-06 09:16:12 UTC https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2639540412 Carer's Allowance nigeloaneacram1 https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2639541708 Are you caring for someone for at least 35 hours per week, and they receive certain benefits?

If so, you may be entitled to Carer's Allowance. Have a look at the website for more information re eligibility]]> 2023-07-06 09:18:42 UTC https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2639541708 NHS 111 Helpline nigeloaneacram1 https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2649171728 The national 111 helpline now has mental health support available.
Press option 2 when prompted- you will then be put through to a mental health worker.]]> 2023-07-21 11:38:19 UTC https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2649171728 call Samaritans on 116 123 nigeloaneacram1 https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2649173246 2023-07-21 11:42:14 UTC https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2649173246 Universal Credit nigeloaneacram1 https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2679590348 2023-08-31 10:02:34 UTC https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2679590348 Statutory Sick Pay nigeloaneacram1 https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2679590688 2023-08-31 10:03:06 UTC https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2679590688 Statutory Maternity Pay nigeloaneacram1 https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2679591084 2023-08-31 10:03:37 UTC https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2679591084 Personal Independence Payment (PIP) nigeloaneacram1 https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2679591722 2023-08-31 10:04:23 UTC https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2679591722 Carers Allowance nigeloaneacram1 https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2679592153 2023-08-31 10:05:05 UTC https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2679592153 State Pension nigeloaneacram1 https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2679592692 2023-08-31 10:05:46 UTC https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2679592692 Self employment and Universal Credit nigeloaneacram1 https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2679593800 2023-08-31 10:07:50 UTC https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2679593800 Self employment and Benefits- FAQs nigeloaneacram1 https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2679595983 2023-08-31 10:11:40 UTC https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2679595983 Budgeting for a variable income nigeloaneacram1 https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2679597059 2023-08-31 10:13:20 UTC https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2679597059 Personal insurance when you are self employed nigeloaneacram1 https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2679598148 2023-08-31 10:15:04 UTC https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2679598148 If you're owed child maintenance nigeloaneacram1 https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2725860115 2023-09-29 10:25:45 UTC https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2725860115 Claiming Child Maintenance safely when there's been domestic abuse nigeloaneacram1 https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2725862183 2023-09-29 10:27:59 UTC https://padlet.com/nigeloaneacram1/financialwellbeing/wish/2725862183 Turn2Us PIP Helper nigeloaneacram1 https://padlet.com/nigeloaneacram1/financialwellbeing/wish/3074367874 2024-08-13 13:55:53 UTC https://padlet.com/nigeloaneacram1/financialwellbeing/wish/3074367874 Help to Stay-Shared Equity Loan nigeloaneacram1 https://padlet.com/nigeloaneacram1/financialwellbeing/wish/3349110124 2025-03-03 13:49:19 UTC https://padlet.com/nigeloaneacram1/financialwellbeing/wish/3349110124 Economic Abuse nigeloaneacram1 https://padlet.com/nigeloaneacram1/financialwellbeing/wish/3558437020 2025-08-28 08:33:46 UTC https://padlet.com/nigeloaneacram1/financialwellbeing/wish/3558437020