We are gathering information on spending habits, personal wellbeing and healthy relationships of people living in Elmbridge, so that we can tailor the advice we give to serve our community in line with current issues.
Please help us by filling out the questionnaires linked below:
You can find out more about our current national campaigns on the Citizens Advice Website.
If you would like to talk to us about a local issue in Elmbridge, please email email@example.com. To enable us to respond as quickly as possible, please include “R&C” in your email title.
Last Friday we had a visit from our local MP and Deputy Prime Minister Dominic Raab to discuss what the government is doing to help the local community during the cost of living crisis.
To read more about the recent visit to Citizens Advice Elmbridge West, you can head over to Dominic’s community newsletter.
Building a savings buffer can help you during an emergency, help you achieve your goals and be there for you if you lose your job or have a drop in income.
10 ways of building a saving buffer
1. Start today – It doesn’t matter how much you decide to save.
2. Set up a separate savings account – for the money you set aside. If you are saving for different things and are having difficulty keeping it all straight, consider setting up separate savings accounts for different targets.
3. Write a household budget – that lists all of your expenses and shows how much money is left after everything is paid. Plan the amount you want to go into savings based on the available money.
4. Choose a ‘Money Day’ – every month where you sit down and look at your finances. You can then decide how much you can afford to save the following month.
5. Regularly review where you are saving – Make sure that you are saving in the right way for you and that you are happy with the rates on any savings accounts. If not, you can switch savings accounts.
6. Cut back in areas of the budget when possible – without completely cutting out things you enjoy. Apply the difference to your savings account. For example, if you cut out £20 by cancelling your landline phone, deposit an extra £20 to your savings account each month.
7. Set up a regular standing order – into the savings account that coincides with your money coming in. Automatic transfers mean the money won’t sit in your current account, tempting you to use it for unplanned and unnecessary expenses.
8. Save your loose change in a jar or piggy bank – It’s good to set a rule such as ‘I won’t spend any change that’s a 20p coin or smaller.’ Instead, put small coins in your jar. When the jar is filled, take it to the bank for a deposit.
9. Consider ways to temporarily increase your income to then increase your savings – This could be through selling items online, working extra hours or another job. Make sure you consider what effect this has on your tax code, sometimes it’s not worth taking on more hours in a second job!
10. Don’t worry – if you don’t manage to reach your goal every month. Sometimes things happen and unexpected costs come up.
We all love a good holiday, the sun and the sea, away from gloomy British weather. But with changes to COVID regulations and cancellations during the pandemic, it can all get a bit confusing can’t it? Don’t worry, we’ve got your back!
Head on over to our national website to read our guide to your consumer rights so you can kick start planning your 2022 trips!
Dealing with money issues can sometimes be off-putting, but if you don’t understand how things like credit or mortgages work, you could end up losing out financially or getting yourself deep in debt.
You can visit our national website which will give you the information you need to make the right choices, including help to deal with your debt problems, how to avoid losing your home and how to get your finances back into shape.
Alternatively, you can get in contact with us by emailing firstname.lastname@example.org or calling 0808 278 7887.
There have been a number of COVID-19 related scams since the Pandemic has started with the latest being COVID pass fraud.
Fraudsters are using the current news and are sending imitation text messages, emails and making phone calls pretending to be from the NHS to steal money, financial details and personal information.
Please remain vigilant. The NHS will never ask for payment or any financial details. All COVID passes (and vaccines) are free. To get your free NHS COVID pass click here.
If you have been affected by an online scam, you can click here for online help or you can get advice from one of our scams action advisers by calling 0808 250 5050.