Financial help and support
Money can be a big worry for anyone
If you are finding money matters a challenge – you are not alone. There are many ways that difficulties can start, and then accumulate. Whatever the reason, remember that support is within reach, it is not illegal to owe money, and there is always a way to deal with debt.
Causes of Debt
It can be tempting to take out a loan to pay off debts, but there are pitfalls. Loan rates can be extremely high, leading quickly to greater debt. Some lenders operate illegally.
Financial abuse involves controlling someone’s ability to keep and use money. It can range from forcing someone to account for every penny they spend, to restricting access to savings, and stealing.
Home heating and other fuel
Bills for all kinds of energy are going in just one direction right now. There are ways to reduce your bills, and help is available so that everyone can heat their home in winter
Want to learn about money management?
There are regular local Managing Your Money courses, run by experienced facilitators at Christians Against Poverty, which teach how to manage money effectively. To register contact 0800 328 0006 or visit https:/ /capuk.org/i-want-help
Want a safe way to save and borrow money?
Money Box Herefordshire is your local community bank. Find out more about their services: 01743 252325 www.moneyboxcu.org.uk
Do you need money advice?
For money and benefits advice, budgeting tools and help:
In Ross on Wye:
Citizens Advice Bureau 0344 826 9685 www.citizensadvice.org.uk/debt-and-money
Money On Your Mind www.talkcommunity.org/money-on-your-mind
Step Change: 0800 1381111 www.stepchange.org
National Debt Line: 0808 808 4000 www.nationaldebtline.org
Community Money Advice 01743 341929 www.communitymoneyadvice.com/freedom-from-debt/get-help
Is it difficult to afford food?
The Community Larder & Café, St Mary’s Church, Ross-on-Wye, HR9 5HN Every Tuesday morning 09:00-12:00
The Zero Waste Stall is available Monday to Saturday 10:30-11:30 at the Community Garden, Old Gloucester Rd, Ross-on-Wye, HR9 5AA
Need help keeping warm?
Keep Herefordshire Warm has a team of trained energy advisors giving free energy efficiency advice that will help you stay warmer and healthier 0800 677 1432 www.keepherefordshirewarm.co.uk