Good advice is priceless... As cost of living almost triples, people are seeking urgent help from a local charity
who are piling on the interest, the best thing to do is get some independent debt and financial advice. There are plenty of free national services available - Citizens ith household bills continuing to rise, charity Advice, Stepchange, National Debtline - as well as local Money Advice Plymouth is offering free advice services like Money Advice Plymouth - who can offer and making sure that people are supported through any you an appointment in your home if you feel that this financial hardship would be the best way to help you. Money Advice Plymouth is a not-for-profit Independent ‘A good debt adviser will talk to you about your wider Advice Agency which has been funded since 2005 to personal and financial situation, to really try and provide a free, expert, independent and confidential understand what’s going on. We’re not here to judge - we debt advice service. In 2011 MAP became part of know there are lots of reasons why people go through Homemaker Southwest, and the charity is now funded seasons where they’re not coping well. We’ll look at what by the Money and Pensions Service to work across most you’ve got coming in and what you’ve got going out as of South Devon. well as any debts you’ve got - we can even help people The charity aims for its support to enable people to better who know they’ve got debts, but don’t really know who manage their financial affairs, and have the confidence with! We’ll spot whether you’re missing out on benefits and skills to help themselves, and engage with their or premiums and advise you on grants.’ communities and those around them. Andrea continued: ‘We speak to hundreds of people Andrea Carlisle, Director for Money Advice Plymouth, so we have a great feel for whether you might be said: ‘I hardly need to tell you that we are experiencing overpaying for a service. We’ll talk through your debt a cost-of-living crisis. Massive increases in utility costs, options - everything from making token payments to combined with the high price of fuel at the petrol your creditors of £1 a month to going insolvent. We pumps, a bump in council tax and a 5 per cent rise in the get that when you’re stressed about your debt or other cost of food - just at a time when we are all trying to get personal circumstances, you might not be able to do back on our feet financially and emotionally following a everything yourself, so we’ll also help you negotiate with rocky couple of years. your creditors and set things in motion for you. And this ‘If you find yourself behind with bills, especially priority service is free, confidential, and independent.’ payments like rent, council tax, utilities, TV licence, or All staff share the same ethos and are motivated to if you’re being contacted by credit cards and catalogues get the best conclusion for all their clients, taking time to work through the issues that they are experiencing, breaking things into manageable steps so that clients can be encouraged to engage, grow in confidence, and be FREE • CONFIDENTIAL involved their solution. They are EXPERT • IMPARTIAL qualified and licenced to advise on NEED HELP the full range of debt strategies TO OVERCOME including budgeting, negotiating ISSUES WITH DEBT? with creditors, setting up payment arrangements, producing financial CONTACT ONE OF OUR EXPERT ADVISORS: statements, Debt Relief Orders, and 01752 208126 or 01392 686752 bankruptcy. n www.moneyadviceplymouth.org.uk
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MONEYADVICE
P LY M O U T H
Lindsay Turpin
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