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.
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 Foundation - free, impartial advice. The charity has also developed an Education section, 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.
National Debtline provides free confidential and independent advice on how to deal with debt problems.
Consumer Credit Counselling Service (CCCS) are the leading UK debt charity. If you have financial problems, they offer: free debt advice, debt solutions, bankruptcy and IVA help. For confidential debt help now, use Debt Remedy, their online tool.
Entitled To can help make sure you get the benefits and tax credits that you are entitled to.
Warm Front makes homes warmer, healthier and more energy-efficient.
Energy Saving Trust provides free impartial advice to help you save money and fight climate change by reducing carbon dioxide emissions from your home.
Home Heat Helpline 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 Payments offers an annual payment to help people aged 60 and over with the costs of keeping warm in winter.
Which? - creating an energy saving home
(FSA) cuts out the jargon and give you just the facts about financial products and services, helping you to make an informed decision.
Pensions Advisory Service is an independent non-profit organisation that provides free information, advice and guidance on all types of pensions.
Consumer Direct clarifies consumer rights, and helps resolve disputes.
Money Saving Expert offers a free tool and guide to help you manage your money.
VouchedFor - lists financial advisers in the local area which have all been well reviewed by clients.
Which? - First Time Buyers Guide - ulitimate guide for first-time buyers - from saving up for your deposit, to working out council tax!
Stay local this year and boost the local economy, while discovering more of Cumbria.