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Managing your money can be complicated. But it’s better to starting thinking about this now. Here’s some helpful advice on how to organise your money and make it work better for you.

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Advocacy is where someone helps you to get your views and opinions heard. They can support you to access services if you are unable to do so by yourself.

There are a number of affordable credit options available to people in Newcastle who may be able to help you if you’ve been refused credit by other lenders.

Buying new white goods or electrical items for your home can be a large and often unexpected expense. There are alternative ways to do this.

Furniture can be quite expensive, especially if you are in the process of moving house. There are more affordable options available in Newcastle.

Autism is a life-long condition. It affects a person’s ability to communicate or to do everyday things. People with  autism or a learning disability find it harder than others to learn, understand and communicate.

If you decide to move house, you need to find out what type of housing will suit your needs best and what is available.

Carer’s allowance is paid to people over 16 and who spend at least 35 hours a week caring for someone with substantial care needs.

This fund is available for carers to take breaks and opportunities that give them choice, independence and control to improve their health and wellbeing.

Poster with information on safeguarding for Newcastle during the coronavirus period.

 

Credit Unions are not-for-profit local organisations which exist to provide a safe, convenient place for members to save money and to get loans and other financial services at reasonable rates.

Help is available to manage debt if you need it. This article covers everything from planning your finances, financial help, utility debt and illegal lending.

Domestic abuse can happen to anyone. It’s described as any incident or pattern of incidents that are: controlling, coercive, threatening, violent.

Emergency funds provide lump sum cash payments or loans to cover extra expenses that you find difficult to cover from your regular income.

is one of the options that you could take to release some of your money which is tied up in property.

Looking for a hot meal or low cost food in Newcastle? Find voluntary groups and charities that cook meals for the community across Newcastle.

Gardening is good for you. It is therapy and fitness rolled into one.

When you’re thinking about how to spend or save your money financial advice is really important. Here’s more information on where to find advice and what advice will suit your needs best.

It’s a good idea to think about how you will manage your new financial and legal arrangements when marrying or starting a new civil partnership in later life.

Affordable family clothing including school uniform, interview outfits and special occasions.

Most NHS services are free, however, you may be entitled to free treatment or help with some of these health costs.

There are several organisations that can provide help and advice to ensure that your home has adequate heating and insulation to meet your needs.

Housing benefit provides help towards rent costs and some housing service charges for people on a low income or wage.

Universal Credit has replaced most new claims for working age means-tested benefits, including Housing Benefit in most cases, but some people still receive it.

How to challenge a benefit decision.

Identity theft is a crime where criminals steal your personal details and use them to open bank accounts, get credit cards, loans, state benefits, or identity documents.

is a way of protecting yourself and your belongings against a particular adverse event, for example, a burglary or a serious accident.

A learning disability is a life-long condition. It affects a person’s ability to communicate or to do everyday things. People with a learning disability find it harder than others to learn, understand and communicate.

Loan sharks are unlicensed money lenders who often charge very high interest rates and sometimes use threats and violence to frighten people who can’t pay back their loan

Some people have difficulties making decisions. This could be due to a learning disability, dementia, a mental health problem, or a brain injury

Plan ahead to manage your affairs.  There may be a point in your life where you are unable to manage your finances and need someone to do this for you. Or if you care for a family member or friend, you may need to step in to manage their finances and other affairs, if they are unable to do so themselves.

How to budget to manage your money well, to avoid getting into debt and to save some money for the future.

Mental health is about how we think, feel and behave. 1 in 4 people in the UK have a mental health problem which affects their daily life, relationships or physical health.

Pension Credit is a benefit to help those of pension age top up their income and an extra payment for those who have saved for retirement.

Pensions are a way of saving for your retirement with some tax benefits.

Your personal budget is the sum of money that Newcastle City Council allocates for your care and support.  As a result of your personal budget, a support plan should be put in place.

 

PIP is a benefit to help towards some of the extra costs associated with ill-health or disability

Power of Attorney is a legal document, which authorises one or more people to handle your finances and health and welfare. You can set up a Power of Attorney for a limited time, or to deal with a specific situation.

Ways to make more out of your money.

Unfortunately, there is a wide range of fraud and crime that can be undertaken online and on your doorstep during this period of social distancing and self isolation.  Read our list of scams, fraud and cyber crime. Be wary and be alert.

The State Pension is a payment you receive if you pay enough National Insurance contributions over your working life.

If you are seeking asylum in Newcastle there are a number of local services who can help with support and advice.

This article signposts you to support and help if you are on a low income.

Key taxes that you may have to pay include: Income Tax, Capital Gains Tax, Inheritance Tax, Stamp Duty, Value Added Tax and certain other duties.

Setting up a trust means you give your money or property to someone else so you no longer own it. Some people use trusts to leave money to others when they die.

Universal Credit has replaced working-age means-tested benefits. It will provide one payment which takes into account housing, employment, children and income.

There are a number of state funded financial benefits which you maybe eligible to receive which will help to improve your quality of life.

Find out more about places where you can receive legal advice in Newcastle.

If you die without making a Will, known as ‘dying intestate’, it can become complicated for the people that you leave behind to carry out your wishes or know your intentions.