Money & Debt Advice

Financial Advice,

Tailored to you

We give you the knowledge and confidence you need to find your way forward, whatever your financial situation. Whether you need help managing debt, claiming benefits, or budgeting for the future, we are here to support you.

Support

How we can help

We understand that managing money can be overwhelming. Led by Citizens Advice St Albans & District, our financial support team provides personalised advice on debt management and benefits entitlement. Our support is completely confidential, free, and tailored to your individual needs.

Budgeting

Managing Debt

Household Bills

Overdrafts & Loans

Speak to one of our advisers to start taking control of your finances.

Get support Today

Budgeting

Working out exactly what you are earning and spending using tools like a budget planner. We can help you gather the right documents, such as bank statements and payslips, to clearly understand your budget and identify where you might be able to cut costs.

Managing Debt

Helping you prioritise urgent debts like housing or council tax, and contacting the organisations you owe money to. We can assist you in agreeing on a manageable plan to reduce payments, pause fees, or get more time to pay.

Household Bills

Finding out what help you can get with priority bills like your energy, water, rent, and council tax. We can also explore local council support, such as the Household Support Fund, to assist with essential items.

Overdrafts & Loans

Helping you negotiate with your bank to manage overdraft fees and work out repayment plans. If you are considering borrowing, we can guide you on checking affordability and ensuring lenders are safely registered with the Financial Conduct Authority

Maximise

Maximising your income

Checking what you are entitled to

It is important to check if you can get extra help or support, even if you are working. We work closely with our partners to ensure you can maximise your income and access all available support. Contact us to arrange a full benefits check.

Our team can help you navigate the benefits system, including:

Applying for Universal Credit

Helping you check your eligibility, claim for the first time, or move safely from other benefits. We can also support you if you are experiencing payment problems or need to apply for an advance payment.

Claiming Sick, Disability, or Carer Support

Guiding you through the application process for benefits such as Employment and Support Allowance, Personal Independence Payment, Attendance Allowance, and Carer's Allowance to ensure you get the right financial support.

Accessing Local Council Support

Finding out what help you can get from your local council, such as welfare assistance or the Household Support Fund. We can help you access emergency support for energy bills, food, and essential household items, even if you are already working.

Support

Other Support

Need help with food or housing?

If you are struggling to afford essential items or facing a crisis, you are not alone. Our financial advice team works alongside our other services to provide complete support.

If your money problems are affecting your mental health, please know that help is available. If you think your life or someone else's is at risk, please call 999 or go to A&E if you can.

Explore Services

Food Support

If you are struggling to put food on the table, we can help you address the crisis and issue you with a foodbank voucher for an emergency parcel.

Learn more

Housing Support

If you are homeless or at risk of becoming homeless, we can connect you with stable accommodation and wrap-around support.

Learn more

Employment Support

Whether you are looking for your first job, returning to work after a break, or simply want to improve your skills. We offer free, personalised guidance to help you navigate your journey towards employment.

Access

Access support

Ready to take the next step?

To find out more about the support available or to speak to our friendly team, please use the buttons below.

Referral Form

Fill in our quick self-referral form

Access Form

connectu@communities1st.org.uk

Email Us

Telephone

01727 649960

Give us a call

This partnership is supported by St Albans City & District Council and the SEGRO Community Investment Plan.