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Budgeting Your Money

Working out a budget is a great way to focus on your spending priorities, get on top of your finances and avoid getting into debt. We’ve produced a ‘Personal Budget Sheet’ to help you work out how much money is coming in to and going out:

EPIC Personal Budget Sheet (PDF)

EPIC Personal Budget Sheet (Excel version – requires Excel 2003+)

Notes on completing a Personal Budget Sheet (PDF)

 

For more help on budgeting visit:

 

 

Help with Debts

No debt problems are completely unsolvable. Admitting you are struggling and getting help is an important first step towards resolving debt problems.

Some places charge you for debt advice, but you can get FREE advice and assistance from the following organisations:

 

 

 

Utility Bills & Switching

Whether you have a pre-payment or ‘quarterly bill’ meter for your gas and electric, you may be able to save money by switching your tariff and/or supplier. There are several companies who can help with this. We suggest you consider one of those signed up to the Ofgem Confidence Code:

 

 

Home contents insurance

EPIC only insures the structure, fixtures & fittings of your home. Your own belongings are not covered in the event of e.g. fire, theft & flood. There are many insurance companies to choose from, including:

 

For more information on getting contents insurance go to:

 

Affordable credit

If you have problems getting credit from high street banks and want to avoid expensive payday loans and doorstep lenders, Moneyline could help:


But before you decide to borrow, again the Money Advice Service is a good source of information:

 

Dealing with loan sharks

Lending money without a licence is illegal. If you’ve been offered a cash loan or threatened by a loan shark, contact the England Illegal Money Lending Team:

 

(***EPIC does not promote or endorse any financial products, and is not responsible for the content of external websites***)

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