Registered Charity 1161164. Authorised and regulated by the Financial Conduct Authority.
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You may be able to reduce your tax bill by transferring part of your personal allowance to your husband, wife or civil partner. This could save you up to £252! We recently helped a couple to do this.![]()
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There's more information on the HMRC website or get in touch if you would like help with this.![]()
www.gov.uk/marriage-allowance
A client contacted us to say they had been awarded PIP and were getting £2,300 arrears which will make a massive difference to them. That's something to cheer about!
It was great to welcome Harpenden Money Advice Centre for their first Drop-in this morning. They will be back in 2 weeks to help you with questions you have about money, so pop in and see them. Watch this video to find out more information about their services: youtu.be/BnysH6fzGcc
We held our first Drop-in at High Street Methodist Church Harpenden this morning! We'll be back on 26 May between 10 and 12, so pop in to see us there. Thank you to Mark Hammond for popping in to hear about our service.
We are pleased to be hosting a new Drop in at High Street -“Talk about Money” with Harpenden Money Advice Centre. Advisors from Harpenden Money Advice Centre will be available in the church on alternate Thursday mornings between 10 and 12 to help with questions you have about money. Richard Payne, who runs Harpenden Money Advice Centre said “We are really looking forward to starting this new Drop in, right in the centre of the High Street. So many people have questions about money, particularly at the moment and this will provide an opportunity to just pop in to see how we can help.” Janice Stephens, who is an Advisor at the centre said “We help people with a whole range of questions about money including budgeting, help with managing debts, reviewing eligibility for benefits and pension credits, help filling in forms and much more.”![]()
The first Drop in is on Thursday 12th May. ![]()
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Find out more about Harpenden Money Advice Centre at www.hamc.uk, follow them on Facebook Harpenden Money Advice Centre or watch this video about their services. youtu.be/BnysH6fzGcc
We are excited to let you know that we are starting a new Drop-In “Talk about Money” at High Street Methodist Church, right in the centre of the High Street between Boots and WHSmiths. It will be on alternate Thursdays mornings between 10 and 12. So many people have questions about money, particularly at the moment, and we hope this will provide an opportunity to just pop in to see how we can help. We can help people with a whole range of questions about money including budgeting, help with managing debts, reviewing eligibility for benefits and pension credits, help filling in forms and much more. First Drop in is Thursday 12th May - so please drop in!
Just a quick thank you for all your hard work helping me resolve my debt issues, very much appreciated. I now handle my finances a lot better and don't spend what I cannot afford to. I pay what few bills I have each month and on time. I'm even going to start saving very soon. ![]()
Thanks again for your patience and assistance
Congratulations!Today marks the 25th anniversary of Community Money Advice!![]()
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We'll be marking the milestone all year, with a focus on celebrating the successes of the past 25 years and looking to the future of CMA.
“Evidence of “budgets being manipulated” to make IVAs look affordable. Falsely selling IVAs when Debt relief orders would be best option. Failed IVAs with payments going on fees and levels of debt hardly changed.”![]()
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Sadly we see this too often with clients. Our service is free and impartial. We will always seek the best option for your situation. ![]()
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If you are considering an IVA, please speak to us first!![]()
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www.theguardian.com/money/2022/apr/03/repayment-plans-pushing-thousands-into-deeper-debt
Repayment plans pushing thousands into deeper debt
www.theguardian.com
Individual voluntary arrangements are an alternative to bankruptcy, but it is feared they are being widely mis-sold
Some great tips here #EveryLittleHelpsHere are some things you might want to consider when looking at reducing your household's regular outgoings:![]()
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Negotiate your car insurance to a lower rate when it comes up for renewal![]()
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Can you get a cheaper phone contract![]()
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Do you need a landline - can you drop it to save money?![]()
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Changing utility providers might help you find a cheaper deal![]()
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If you have a packaged bank account, do you need it? Do you use all the benefits? Would it be cheaper to use a free bank account and pay for the added benefits separately?![]()
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A water meter might work out cheaper if you don't use lots of water![]()
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It's worth talking to your mortgage provider to negotiate a better deal
