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The credit crunch is likely to affect us all in one way or another. But some are in a better position to cope. 

Whilst not able to give direct financial advice, your local Councils are keen to offer what support they can to those suffering the effects of the economic slowdown. 

If you are worried, these are some of the people you may want to talk to. Also listed are links to the District and Borough Councils and useful pages on the Cumbria County Council site.

Some of the organisations referred to, like Credit Unions, run surgeries in our one-stop-shops.

Debt

Carlisle Citizen's Advice Bureau - Debtthis external link will open in a new window

Cumbria Local Links  If you would like to speak face-to-face with someone concerning a service, why not visit one of the many one-stop shops around Cumbria.

Debt Advice Foundationthis external link will open in a new window - free, impartial advice. The charity has also developed an Education sectionthis external link will open in a new window, which is aimed at developing children’s understanding of key financial principles and equipping them with the tools they'll need to responsibly interact with the world of finance as they enter adulthood.

Directgov - Managing Debtthis external link will open in a new window

National Debtlinethis external link will open in a new window provides free confidential and independent advice on how to deal with debt problems.

Consumer Credit Counselling Service (CCCS)this external link will open in a new window are the leading UK debt charity.  If you have financial problems, they offer: free debt advice, debt solutions, bankruptcy and IVAthis external link will open in a new window help.  For confidential debt help now, use Debt Remedy, their online tool. 

Benefits

Directgov - Benefits and Financial Supportthis external link will open in a new window

Directgov - Tax credits and Child Benefitsthis external link will open in a new window

Citizen's Advice Bureau - Benefitsthis external link will open in a new window

Entitled Tothis external link will open in a new window  can help make sure you get the benefits and tax credits that you are entitled to.

 

Energy Saving

Directgov - Energy and Water Savingthis external link will open in a new window

Citizen's Advice Bureau - Fuel Costs and Saving Moneythis external link will open in a new window

Warm Frontthis external link will open in a new window  makes homes warmer, healthier and more energy-efficient.

Energy Saving Trustthis external link will open in a new window  provides free impartial advice to help you save money and fight climate change by reducing carbon dioxide emissions from your home.

Home Heat Helplinethis external link will open in a new window  is a free, not for profit phone line set up to help British energy customers who are struggling to pay their fuel bill and keep warm.

Winter Fuel Paymentsthis external link will open in a new window offers an annual payment to help people aged 60 and over with the costs of keeping warm in winter.

Which?this external link will open in a new window - creating an energy saving home

 

Managing Money

(FSA)this external link will open in a new window  cuts out the jargon and give you just the facts about financial products and services, helping you to make an informed decision. 

Pensions Advisory Servicethis external link will open in a new window is an independent non-profit organisation that provides free information, advice and guidance on all types of pensions.

Consumer Directthis external link will open in a new window  clarifies consumer rights, and helps resolve disputes.

Money Saving Expertthis external link will open in a new window  offers a free tool and guide to help you manage your money.

VouchedForthis external link will open in a new window - lists financial advisers in the local area which have all been well reviewed by clients.

Which? - First Time Buyers Guidethis external link will open in a new window - ulitimate guide for first-time buyers - from saving up for your deposit, to working out council tax!

 

Buy Local

Stay local this year and boost the local economy, while discovering more of Cumbria.

Made in Cumbriathis external link will open in a new window

Farmers Marketsthis external link will open in a new window

Visit Cumbriathis external link will open in a new window

 

Credit Unions

Cumbria Credit Unions this external link will open in a new window