Borrowing can help with unexpected costs but it’s important to choose the right type of credit and use it wisely.   It’s difficult to know which websites to trust when you have money issues.  Internet searches can lead you to organisations hoping to profit from your problems.  A website we recommend is the government’s free and impartial www.moneyhelper.org.uk .   Before you borrow It’s a good idea to ask yourself the following before you borrow money; ·       Can you wait until you have...

What is Winter Fuel Payment? Winter Fuel Payment is an annual payment designed to help you cover your heating costs over the winter months.  You could get between £100 and £300 to help you pay your heating bills for winter 2025 to 2026.   Who is eligible for Winter Fuel Payment? You are eligible for the Winter Fuel Payment in 2025-26 if: you were born on or before 21 September 1959 you are living in England or Wales for the qualifying week. The qualifying week is the week beginning from the...

Why Talk First?   It seems that more people are coming to us because they're having problems with anti-social neighbours. The best way to...