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Money and benefits

Find local and national help and support for benefits, debt and other money matters.

Calderdale Services

  • Do you need help to pay for essential household bills or just need support with budgeting? The Council's Early Intervention and Support Team (EAST) can give advice on what services there are to help you.
  • People on low incomes may be able to get help to pay Council Tax or rent. For more details, see: Benefits or contact us.
  • Our Local Welfare Assistance scheme provides emergency support for people in most need with household items.
  • Citizens Advice Calderdale. Free help and support with benefits, debt and money and to claim Universal Credit. They also have a budget tool, visit: Work out your budget.
  • Noah's Ark Centre. Free money advice service for clients with a range of money and debt problems. They offer support on budgeting, debt relief orders, debt management plans and individual voluntary arrangements. They also run a course funded by Calderdale Adult Learning called Budget Like A Boss!!!! at various locations across Calderdale.
  • Calderdale Adult Learning offer courses on money: On the fun and interactive 'Make Your Money Go Further' course you will learn useful strategies to manage your money effectively.
  • LAB LIFE. LAB stands for Learn, Achieve, Believe! And LAB LIFE teaches practical ways to save money on everyday things like shopping, heating and travel (without drastically changing your lifestyle). To be eligible, learners must have less than Level 2 (below GCSE C-grade) maths. LAB LIFE is always a friendly and supportive environment. For the latest course dates visit the Proper Job website.
  • Are you a Together Housing Tenant in Calderdale? If you are struggling to pay your rent you can access free welfare benefit advice and support.
    • Phone the team direct: 0300 330 5524;
    • Phone the Customer Services Centre: 0300 555 5560;
    • or text 'BENEFITS HELP' to 66099 and an advisor will get back to you.
  • Disability Support Calderdale (Also on Facebook). Run by and for disabled people, they offer advice and information. They can also help with form filling on benefits, housing, carers, employment and training. Run weekly therapeutic art sessions. Meetings are provided by phone, office and face-to-face drop ins.
  • Healthy Minds Welfare Rights Service. A free and confidential service that offers support and help, which includes:
    • Check what benefits you are entitled to.
    • Help with benefit forms.
    • Advice about (or representation at) benefits tribunals.
  • Age UK. Welfare benefits advice for those over (or approaching) state pension age. This includes benefit checks and help to complete claim forms.
  • Calderdale Credit Union. For advice on saving money, how to get a loan or help to budget. They can offer a Floodsave scheme for residents living in areas with a high risk of flooding. This offers savings of up to £10,000. The Community Foundation for Calderdale will match fund to assist with repairing damage. If you need to borrow money, the Union offers a safe and ethical option to loan sharks. Find out more about their current products and services. They can also help you to save for Christmas.

National services

For general information about money, including calculators and tools:

For general information on types of benefits, payments and grants

For general information on debt

For general information on borrowing and saving

  • Help to Save. This scheme gives low-income earners that claim Universal Credit or Working Tax Credit:
    • A 50% savings boost on the amount saved;
    • up to a maximum of £1,200, over four years.
  • Affordable Borrowing Options. Get help and find out if you need to borrow and if you can afford it. Also, what to do if you are refused credit.
    • Fair For You offer flexible, affordable and ethical loans for household items bought via their online high street.
    • Fair Finance provide loans to people struggling to access mainstream finance. Find out how to improve your credit profile.
  • Are you worried about loan sharks? Find out what help and support is available on our help with loan sharks page.

For general information on gambling

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