Tag Archives: welfare benefits

Planning a baby on a budget

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sleeping babyHaving a baby is one of the biggest changes that can happen in your life and with the costs of raising a child going up, it’s important to plan ahead.

Hormonal ups and downs bring feelings of excitement, anxiety, nervousness, elation and fear; but along with managing all these emotions your finances play a massive part in preparation for a baby.

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Universal Credit and the benefit cap – what’s the latest news?

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Universal Credit - Government benefit changes

Courtesy of Wikicommons user David Lally

We’ve all heard about the benefit changes the Government is making to the current system, but over the past couple of months everything’s gone a bit quiet.

There was a flurry of news and activity in early April with the 2013 benefit changes, (such as the introduction of the “Bedroom Tax”), and last month Disabled Living Allowance was replaced by Personal Independence Payment for new claimants.

But on the whole it was quiet… until this week, when Universal Credit and the newly-introduced benefit cap made the news in a big way.
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Universal Credit – what is it? The new benefits system explained

posted by in Budgeting 2 Comments

Find out about universal credit

What is universal credit?

There are lots of changes coming to the UK benefits system this year.

One of the biggest changes will be the introduction of Universal Credit.

We’ve put together this handy guide to help you understand the basics and hopefully help you navigate the changes.

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Welfare benefits: Check what you’re entitled to

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You might be eligible for more than you thought

You might be eligible for more than you thought

We often hear about people going to prison because they’ve fraudulently claimed benefits, but what about those that don’t claim benefits that they could?

Every year, people in the UK are missing out on benefits and tax credits worth over £10 billion. Much of this money goes unclaimed because people are too proud to claim. Continue reading »

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What does StepChange Debt Charity do?

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Happy savings

We like to make people smile!

Most people know that StepChange  Debt Charity (formerly CCCS) gives debt advice, but we provide a host of services that many people might not know about. One of the things we are best known for is providing free debt management plans but we also offer a wealth of other services to help you get debt free!

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If you’re on benefits, changes are coming in 2013

posted by in Budgeting 104 Comments

The changes could leave you with less cash

The changes could leave you with less cash

There are some big changes to housing and other benefits that will come into effect in April 2013.

If you receive housing benefit to help you pay your rent it’s important that you understand these changes to see if you’ll be affected and what you should do.

Let us take you through the changes so you can start to plan now. Continue reading »

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How to get up to date with rent arrears to avoid eviction

posted by in Budgeting, Debt news 10 Comments

If you’re having problems with your rent arrears, also read our article What happens if you fall into rent arrears?

streets of houses

Rented housing; a financial story behind each door

Hopefully everyone knows that rent is a priority. If you fall behind on payments and don’t make an arrangement to get back up to date it could ultimately mean eviction from your home.

Rent arrears is a growing problem. More than 10,000 people contacted us for help with rent arrears last year, an increase of 27% from 2010. On average, our clients in rent arrears are £760 behind on payments and £82 short of the amount needed to cover living expenses each month. The situation is worse for those in privately rented accommodation. Continue reading »

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