Money and Finance

We'd all like a bit more money - but no matter how much you have it is important you have an understanding of how to keep on top of your finances now and in the future.  Financial difficulties is one of the main causes of conflict amongst families so it is vital that you know how to keep on top of your spending, put money away for a rainy day and plan for your retirement.

Dealing with Debt - If you are having difficulties in dealing with debt problems you should always seek specialist advice.  Any information you give will be treated confidentially, and remember, they're trying to help you so listen carefully to what they have to suggest, even if at first you think it looks 'hard going'.

Managing Money - Too many people don't know where to look for advice about managing their money or their finances.  Aside from a range of helplines you can also find help and advice on the internet.

Help and Advice - Details of helplines to advise on debt and other financial matters

Consumer Protection - Do you know your rights when you're shopping?  How about when you're shopping online? Have you had a from hell and didn't know who to complain to? Want to know how to avoid being a scam victim?

Claiming Benefits - information about some of the benefits available and how you can go about getting more information on whether you qualify.

Credit Union - The Chester Credit Union was established in 2004 to provide: Access to affordable loans, individual control over one's finances and the knowledge that savings are being used within the community.

Benefit Fraud - We want everyone who is entitled to benefits to apply for them. But stealing through benefit fraud costs you, the taxpayer, millions of pounds each year, leaving less for those who need benefits to live.

Council Tax Benefit - Council Tax is an annual fee paid to a local authority to cover essential services such as road maintenance, rubbish collection and leisure centres.  Council tax is based on the value of the property according to set bands.

Housing Benefit - Housing Benefit provides help for low-income tenants to meet their rental liability. The rules regarding the administration of Housing Benefit are held in regulations set by Parliament.

Student Grants and Finance - You can apply for financial support as soon as you've applied for a place at college or university. Application forms are available from March each year. Applying early will make sure your finances are sorted for the beginning of term.

Pension Advice - Advice and guidance on where to look for the best advice on pensions, the type of pensions available and what pension will suit you.