TOP TIPS

DO YOU NEED FINANCIAL SUPPORT – WE ARE HERE FOR YOU!

We know that many people are finding it harder than ever to pay the bills. Debt can happen to anyone, and we know owing money can be very stressful. There are hundreds of reasons why people put off getting debt advice – some fear they’ll be judged, others bury their head in the sand and hope things will improve, and many simply aren’t aware that ClwydAlyn is here to offer help and advice to residents.

It is important to be open with loved ones or a support network about your struggles with debt, as it is difficult to get through it alone, and there is help out there. Money worries are often linked to mental health struggles with many people saying that it leads them to experience depression, stress, or anxiety.

The first step to getting back on track is opening up. There is nothing to be ashamed of, anyone can get into debt for a variety of reasons, all that matters if you are struggling is to seek help.

TALK TO SOMEONE YOU TRUST.

They may be able to help you set up a budget or find out ways to increase income and reduce spending, as well as helping you to understand and deal with any letters. They can also be your supporter, so that you don’t have to go through it alone.

TELL YOUR PARTNER.

If you are in a relationship, and it is safe, it is best to make sure your partner is also aware of the debt, as they are likely to know that something is wrong anyway. Keeping it from them can create more stress and strain on your relationship. Reassure them that you are dealing with the problem, making progress, and ask that they support you in the process going forwards.

LOOK AFTER YOURSELF.

Debt can create a huge amount of stress, so it is important to look after yourself in other ways. Make sure you take time to go on walks and do things you enjoy with the people who are there to support you. Eat well, exercise, and rest – the most important way to look after your mental health.

Our Welfare Rights

MONEY ADVICE OFFICER, JANICE PETERSON SHARES SOME SUPPORTIVE ADVICE.

“ We are here to help you and it’s important that people know that you don’t have to suffer in silence. We know how quickly things can spiral out of control and the quicker you get in touch with us, the quicker we’ll be able to help you. Even if you don’t want to talk to anyone, there are many tools and options available to start resolving a debt problem and we’ve created a one stop shop that will help you manage your bills more effectively.”

“ We are here for you and if you are facing difficulties with paying for things like your rent, please do get in touch with either your Housing Officer, or simply call us on 0800 1835757 or email at help@clwydalyn.co.uk and we’ll help you start your journey to debt free living.”

There are also many ways you can help yourself. From budgeting tools to expert advice from other sources, like the Money saving expert.

CLWYDALYN RESOURCES - Benefits and Welfare Rights - www.clwydalyn.co.uk/welfare-reform

Other Ways To Get Help

• Step Change have more than 25 years’ experience providing practical debt solutionswww.stepchange.org/how-we-help.aspx

• Citizens Advice (previously Citizens Advice Bureau) are an independent organisation specialising in confidential advice on subjects like debt advice or managing your bills. They have their own online budgeting tool - www.citizensadvice.org.uk

• National Energy Action is the national charity working to end fuel poverty in England, Wales and Northern Ireland. They can provide advice and up to date information about rising energy priceswww.nea.org.uk

• Money saving expert has lots of advice and tools, as well as news and information on a range of subjects that could help your decision makingwww.moneysavingexpert.com

Debt advice line is a government approved helpline for tackling your debt - www.nationaldebtline.org/

You can also visit our Rising cost of living page for more tips and advice. Scan the QR code https://bit.ly/3Mlkyli a. Large buckets or containers that are around 16 inches in diameter and 16 inches (41 cm) high. b. You can plant 2-3 seed potatoes in this size container. I used an old recycling box! c. Make sure the containers have some holes in the bottom for drainage.

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