Page 18 - NewsletterWINTER_2016
P. 18

Welfare Reform
Maintenance Advice m
Stay Safe

Don’t borrow money to pay
off debts without thinking
very carefully.

                                                  Tips For Avoiding Debt

                                                  Prevention is better than the cure so here are some     • Get help from a specialist debt adviser.
                                                  tips you can use to keep you as debt free as possible.    Contact Citizens Advice at
                                                  The best way to avoid never ending pressures is to
                                                  budget your money - Planning is so important.
                                                                                                          • Always fill in reply forms to court papers
                                                  You could draw up a budget which should                   and give the court all the facts
                                                                                                          • Go to court hearings. Take a copy of your
                                                  • A list of all your income from all sources              Financial Statement with you
                                                    including benefits, wages, child maintenance etc.
                                                                                                          Don’t borrow money to pay off debts
                                                  • A list of all your expenditure e.g. regular bills,    without thinking very carefully. Try not to
                                                    expenses, groceries and clothing,                     ignore creditor’s letters or calls as you may
                                                                                                          be able to reach an agreement with them.
                                                  • A list of all occasional expenses e.g.
                                                    Christmas, school uniforms and birthdays;             • Remember – ask for advice. Citizens Advice
                                                                                                            services are free and confidential
                                                  • You can access an online budgeting tool from
                                                    the Citizens Advice website:                          If you are in arrears with your rent you can:
                                                                                                          • Contact the housing team within Rural
                                                  Remember to prioritise your bills – i.e. Rent/            Housing Association to make an agreement
                                                  Rates payments should not be missed.                      to pay any rent you owe in regular
                                                                                                            instalments, along with your current rent/
                                                  If You Are In Debt                                        rates charge (our contact details are on the
                                                                                                            back page)
                                                  • Don’t ignore the problem. It won’t go away,
                                                    the longer you leave it the worse it will get         • Arrange for your rent to be paid directly
                                                                                                            from your salary if you are employed and
                                                  • Get in touch with your creditors straight               your employer consents to this. You will not
                                                    away and explain your circumstances. Try to             be charged a fee for this
                                                    get a contact name for future reference and
                                                    record details of your conversation                   • Get debt advice

                                                  • It is important to deal with priority debts
                                                    first. Not paying a priority debt could mean
                                                    that utilities may be disconnected, you may
                                                    even lose your home or essential items.

18 : newsletter 2016 : Rural Housing Association
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