Skip to content Skip to menu

Financial Help

Our colleagues at The Homeless Partnership have produced the leaflet below listing local support services and useful contacts that can help with any money worries.
Please speak to any of the useful contacts in this leaflet for more information, or contact Lee, our Financial Inclusion Officer: 

How we can help

We can provide you with help and advice about your finances. If you live in supported accommodation with BCHA then this service will be available to you though your Support Worker. If you live within one of our general needs properties, our Financial Inclusion Officer, Lee Podesta, will be happy to provide you with any advice and support for your finances.

Call: 07966 808862


You can also find useful information about Universal Credit and financial advice here 

  • We can advise you about how the Welfare Reform may affect you, both now and in the future.
  • We can help you prepare your finances so that you are ready for the changes that will be coming.
  • We can discuss your financial situation, and look at whether you are receiving all the help and benefits that you are entitled to.
  • We can look at your bills, and see if there are any ways of reducing them.
  • We can discuss any debts you may have and work out the best way forward to deal with them.

Hints and tips on how to save

Below you’ll find some advice and ideas about how you may be able to save money, just by making a few changes to your daily routine. For example, did you know that by turning your heating down by just 1%, could reduce your energy bills by 10%? Take a look at the below tips and recommended websites to see whether you could save any money.

The Money Advice Service

One website which is definitely worth visiting is that of The Money Advice Service. This is the Government’s free and impartial money advice service where you can find:

  • Advice and guides to help you improve your finances
  • Tools and calculators to help you track your finances, budget and plan ahead
  • How to access support online, over the phone or in person if you are worried about your finances

Click here to visit The Money Advice Service.

If you are struggling with debt then the Debt Support Trust , which is a registered charity, provides debt advice and support for people struggling to manage their debts. 

If you are worried about being able to afford your rent, and other bills, remember you can call our Income Recovery and Financial Inclusion Team , who will be able to advise and help you.

Credit Unions

Instead of borrowing money illegally, or through organisations that charge very high interest rates, it might be worth talking to your local Credit Union.  

What do they offer?

  • A safe and convenient way to save
  • Easy-to-access loans at low rates of interest
  • Free life insurance on savings and loans

Can credit unions help everybody?

Credit unions can offer affordable financial products for people with few other options. They do their best to make sure everyone in the community can join and are not excluded because of their circumstances. 

Credit unions are also a great choice for everyone because they often pay really good rates of interest and offer competitive interest rates on loans. Many people see credit unions as an ethical option compared to the high street banks because all profits are returned to their members, helping retain money in the local community. 

If you want to know more about credit unions, or to find out if there is a credit union in your area, visit the ABCUL website. You can also find out more about credit unions on the Money Advice Service website. 

Don’t borrow money illegally

The best advice for dealing with loan sharks is ‘don't'. They are unlicensed money lenders who charge very high interest rates and sometimes use threats and violence to frighten people who can't pay back their loans.  

Loan sharks target the vulnerable. Even if you have difficulty getting credit elsewhere, borrowing from loan sharks should be avoided. 

Anyone who is a victim of a loan shark, or knows a friend or family member who is affected by their activities, should call the Illegal Money Lending Unit in confidence on 0300 123 3311. 

For further advice when dealing with loan sharks, then click here.  

Quids In! Magazine

Another great website to visit is Quids in! They produce a magazine which offers top tips, news and advice to people who want to manage their money better.