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Tip one
Know what you’re spending
Sit down with a pen and paper and add up what you’re spending each month. Think about how much you spend on things like:
- rent
- gas and electricity
- council tax
- food
- going out and socialising
- travel
- smoking
- anything else?
If you’re spending more than you earn, contact the Money Advice Team.
You can also get free and impartial advice about:
Tip two
Sorting out benefits
For problems with benefits or to find out what you’re entitled to, we have just one piece of advice – contact the Money Advice Team.
Contact us or text MONEY to 0787 613 7679.
Tip three
Get the best deals
- search for the best rates for gas, electricity and mobile deals using comparison sites like www.uswitch.com or www.confused.com
- call your current supplier and ask for a better deal
- try a local community energy supplier. Hartlepower could give you good deals on fuel bills. Hartlepower is a not-for-profit company which means that profits are invested back into the business and community. For more, visit www.hartlepower.co.uk
- some of the best deals are on the internet – make sure you shop around and try looking for online discounts and vouchers - some retailers have regular special deals
- when your mobile phone contract runs out and you have paid for your phone, switch to a SIM only deal - you could potentially save £15-£20 a month.
Tip four
Savings and loans
Saving and loans
- avoid loan sharks – they’re illegal and charge the highest rates
- if you can, try to start saving. A little money each month soon adds up
- set up a Credit Union account where you can save and get a loan. Find your nearest Credit Union.
Get help
You can get help on the whole range of money matters by:
- contacting Thirteen’s Money Advice Team
- speaking to your neighbourhood co-ordinator or customer service advisor at your local neighbourhood office
- text MONEY and your query to: 0787 613 7679.