What support does Aspire's Money Advice offer?

The starting point is to help people with Spinal Cord Injury understand what their current financial situation is. We will work with you to complete a Budget Planner listing all your income and outgoings so that you have a clear picture of what your current situation is.

Will the Budget Planner always show that I have money left over at the end of each month?

Not always, what it will do is help see where your money is going as we all have spending habits that become part of everyday life. For example, someone buying a take away coffee each day for £2 will spend £730.00 in a year!

What if I have no money left over at the end of each month?

In those circumstances we would help you check if you are maximising your income such as a full benefits check, including how these may be affected if you are currently working or want to return to work.  At Aspire we have a dedicated Welfare Benefits Advice team who specialise in supporting individuals affected by Spinal Cord Injury to get the correct type and levels of benefits they are eligible for.

In addition to maximising my income are there ways I can reduce my outgoings?

Making the most of the money you have may not be as easy as it sounds, however getting into good spending habits will have a positive effect on your outgoings. Food, household items and own brand labels can cost less at “budget supermarkets” so looking at how you are shopping can result in weekly savings. Shopping around for the best energy and insurance deals can have a real impact as it only takes 20 minutes to check and can save some households up to £300 a year.

I currently have debts that I am struggling to pay and don’t know what I can do about it?

We will help you to understand how to prioritise your debts, as sometimes it may not be the debts owing the most amount that can have the greatest consequences for you. Simple information around the “pros and cons” of each situation which will help you decide what action you feel is best for you.

I do not feel confident in talking with my creditors, is there any help you can offer?

Initially we would explain how you can approach your creditors to get the best outcome, both now and in the future. However, if you feel unsure about doing this yourself and you give us your permission, we would be able to talk to them directly on your behalf with any proposal you have and come back to you with their responses.

So how would you describe the service you offer at Aspire Money Advice?

Aspire's Money Advice offers free impartial guidance to people with a spinal cord injury.  From getting a clear picture of your current financial situation, to maximising your income and making the most of the money you pay out. We will help you understand what the implications are of any debts you have, so you can decide on what steps you can take to become debt free now and in the future.

 

Money Advice

Welfare Benefits

How we help