Need help creating a budget?

Money problems don’t go away by themselves but fortunately there is plenty of help and advice available for anyone who is struggling with debt issues.

If you want to get on top of your finances, creating a budget is really great starting point. You can keep a recored of money coming in (from things like salary, wages or benefits) and a record of money going out (such as rent, mortgage and council tax).

A good way to start your budget is using some of the fantastic websites with budget planners. You can record all your incomings/outgoings, then the planner will analyse figures and create you an easy to read breakdown of your spendings.

Check out some of the advice sites available from the below links. The advice includes online budgeting guidelines and toolsfree phone advice lines, videos and case studies.
Credit Unions are community based membership organisations that offer savings and loans. 
Credit unions offer a range of savings accounts. You can choose to save as little or as much as you can afford.  They also offer loan products suited to individual needs and at rates you can easily afford and many services are now available online.
Rooftop has partnership working agreements with Castle and Crystal who provide a service in Worcestershire, and Gloucestershire Credit Union



Authorised and regulated by the Financial Conduction Authority (registration number 713326) to provide an impartial, free and confidential credit broking, debt counselling and debt adjusting service.  Limited to carry out regulated activities as a not for profit firm.