Falling into debt can happen to anyone, but don't feel you have to deal with the situation on your own. There's a common misconception that debt is caused by being irresponsible with money; however, research by debt charity, StepChange, has found that debt problems more often arise from circumstances beyond one's control, such as redundancy, ill health or rising living costs.
Debt Awareness Week is an annual campaign run by StepChange to spread the word about free debt advice and to get people talking about money problems.
At Clarion Futures, our partners provided face-to-face and telephone debt guidance to over 3,200 Clarion Housing customers in 2017-2018, writing off in the region of £10.5 million - but there’s still more that can be done. So, if you’re worried about money, find out more about how we can help.
Managing your money means first working out what money you have coming in and what your expenses are. To help you with this, we have two budget planners available to download to help you stay in control of your spending. These show you what you can afford to do and if cutbacks can be made in certain areas.
We also offer advice on planning your budget, and calculating your weekly and monthly expenses.
All of our residents can access free support through one of our specialist partner agencies. Depending on your needs, we will either refer you to our partner, PennySmart CIC, or to one of the following:
- StepChange Debt Charity - StepChange offers a free debt helpline, which is open Monday - Friday 8am to 8pm and Saturday 8am to 4pm. Call 0800 980 8270 (calls free from landline and mobile).
- Debt Remedy - A self-help option that provides you with a personal action plan.
- Citizens Advice - If you want to speak to someone face to face, your local Citizens Advice offers free, impartial, confidential advice on a wide range of issues including debt.
Rent arrears advice:Missing a rent payment can happen for a number of reasons; maybe you were faced with an unexpected bill or an illness in the family meaning you were unable to work, or maybe were experiencing problems with your benefit payments. Whatever the reason, if you're struggling to make ends meet, you can contact us so we can help you find a solution.
Teams at Clarion Futures Money support residents with a wide range of money issues including: managing and challenging bills, budgeting, grants for household goods and checking benefit entitlements. In the main, support is provided via an expert telephone service, backed up by in-home support for residents in more vulnerable situations – particularly those affected by fuel poverty.