As shown on your ID, No Short names are allowed
As shown on your ID, No Short names are allowed

1294.1% APR Representative Example: Borrow: £300 for 90 days Interest: £144.06 Total to repay: £444.06 Repay in 3 instalments of £148.02 each. Annual interest 274% (variable). Representative 1294.1% APR.

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For anyone in need of help in keeping control of their finances there are many organisations and tools out there to make things easier. Below is a list of resources that might be useful to anyone looking to manage their money more effectively.

Managing spending

Moneybasics offers online budgeting tools and also a free smartphone application called Spendometer that lets you to track your spending day to day.

To find out more, visit www.spendometer.co.uk

This is part of partnership including Credit Action, a registered charity specialising in money education. On the website www.creditaction.org.uk are many helpful resources.

Citizens Advice Bureau (CAB)

The CAB is a community-based service that can offer advice on a variety of subjects. It does offer advice on money issues and can help with any legal problems. They also cover employment, benefits and housing problems. Their website (www.citizensadvice.org.uk) offers plenty of information and has a search function to find your nearest bureau.

Community Money Advice

Community Money Advice is a national charity that facilitates a network of local, face-to-face debt advice centres. Their service is free to use and the website www.communitymoneyadvice.com has a search function where you can locate your nearest centre.

Consumer Credit Counselling Service (CCCS)

The CCCS is a charity that offers information, advice and support for those in debt. Useful information can be found at www.cccs.co.uk as well as an online support service. They also operate a freephone helpline on 0800 138 1111 which is open 8am-8pm Monday to Friday and 9am – 3pm on Saturday.

National Debtline

National Debtline is a confidential service that offers advice on debt and can be contacted on 0808 808 400, Monday to Friday 9am-9pm and 9.30am-1pm on Saturday.