THEHANDYGUIDETODEBT

&BENEFITSNechells

GUIDE TO DEBT & BENEFITS

DEBTHow you can manage your money andprevent yourself from getting into debt

You must pay your essential priority

costs first, which are:1.

Mortgage or rent

Secured loans (ifyouhaveaproperty)Council Tax

Gas, electricity, water and telephone bills

TV Licence

Travel to work or school by bus or car

Child care and/or school meals

Court fines

Your food, toiletries etc

2. Write down how much moneycomes into your household (WagesandanyBenefits) each week or month.

Then write down how much money

you need to pay for your essential

priority costs to see how much

money you have left each week

or month.

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Shop around for a better and

cheaper deal.

DO NOT buy anything (eveniftheyareonsale) that you do not have themoney for or you do not

really need.

DO NOT borrow any money unlessyou know that you are able to payit back a fter you have paid all youressential priority costs.

5.

If you are in debt:

DO NOT ignore the problem it wontgo away.

If you have any problem in paying yourrent or mortgage, contact your mortgagelender or the council as soon as you can toprevent it from getting worse.

DO NOT be threatened or bullied intomaking promises which you cannot fulfil.

DO NOT borrow more money topay off your debts, especially bytaking on more credit or chargecards with higher interest rates.

If you are in debt contact us assoon as you can. We can helpyou to set up an affordablepayment plan with your creditors.We explore and explain to youany other options that are applicable to your circumstancein sorting out your debts.

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WELFARE BENEFITYou may be entitled to claim the following benefits:

Job Seekers Allowance if you are fit and

available for work, if you have lost your

job or have been made redundant.

Child Benefit, Child Tax Credit if you are looking after a child.

Employment Support Allowance if you are suffering from illness and not fit for work.

Working Tax Credit, if you are on a low paid income.

Disability Living Allowance, if you areunder 65 or if you have care and mobility needs and need someone tohelp you everyday.

Attendance Allowance, if you are over65 and have care needs and need someone to help you everyday.

Carers Allowance, if you are looking after a person with a disability.

Income Support, if you are a lone parent.

Housing Benefit, if you have to pay rent for where you live.

Mortgage interest, if you are paying a mortgage and claiming benefit.

Council Tax Benefit, if you are liable to pay Council Tax.

Pension Credit/Saving if you havereached 65 for men & 60 for women.

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We can advise and assist you in claiming any benefit from the form filling stage tochallenging any benefit agency decisions and can also help with Social Security Tribunal hearings.

We can help you with Social Security benefit overpayments by either arranging toset up an affordable payment plan or maybe even reduce them.

Please keep in mind that all Social Security benefits are subject tochange by the government at any time. We can advise you on whichbenefit you may be entitled to, when and how to claim it.

Please note that all our helpand advice services to you are free of charge.

Callfree@laston01213275959 forfree,independent,confidentialandimpartialspecialisthelpandadvice.

HAGAHA DEYNTA & GARGAARADA

DEYNTASidee uu maamuli kartaa lacagtaada iyouga hortagi kartaa inaad deyn gasho?

Waa inaad markii horey bixisaa biilalka

ugu muhiimsan, oo kala ah:1.

MorAmaahda guriga ama kirada

Amaahda aad bankiga ka heshay

(haddiiaadguriqabtid)Canshuurta Kawnsalka

Biilalka gaaska, korontada, biiyaha iyo

telefoonka

Shatiga Telefishinka

Kharashka baska ama baabuurka ee

lagu socdaalo shaqada ama dugsiga

Xannaanada cunugga iyo/ama cuntada

dugsiga

Ganaaxyada maxkamadda

Cuntadaada, alaabta guriga iwm

2. Qor lacagta ku soo galo (Mushahariyogargaar(cayr)walba) toddobaad walbaama bil walba.

Ka dib qor lacagta aad u baahan

tahay inaad ku bixiso biilalka ugu

muhiimsan sidii aad u ogaato inta

lacag kuu soo harey toddobaad

walba ama bil walba

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4.

Meelo kala duwan ka raadi qiimaha

ugu fiican iyo ugu jaban.

WAXBA ha iibsanin (xittaahaddiiqiimojabanlaguiibinaayo) haddii aadan qabinlacag aad ku iibsato ama aad dhab

ahaan u baahnen.

HA deynsanin lacag aysan ka

eheen haddii aad hubtid inaad dib

u bixin kartid ka dib markii aad

biilalkaaga bixiso ka dib.

5.

Haddii aad deyn ku jirto:

HA iska dhega-tirin dhibaatada keligiiisma xallin doono

Haddii aad dhibaato ku qabtid bixinta ki-radaada ama amaahda gurigaaga, la xiriirshirkadda ku siidey amaahda guriga amakawnsalka sida ugu dhaqsi badan si aaduga hortagto inay deynta sii xumaato.

HA oggolaanin in lagugu hanjabaadoama khasbo inaad sameyso ballan lacag-bixin aadan awoodin.

HA deynsaniin lacag kale sidii aadu deyn ugu guddo, gaar ahaanamaah kale ama kaadhka amaahdaoo leh ribo aad u sarreeya.

Haddii aad deyn ku jirtid nala soo xiriir sida ugu dhakhsi badan ee aad awooddo. Waxaan kugucaawin karnaa inaad deynlahaada la sameyso qorshelacag-bixin kuu habboon. Waxaan kula eegi doonnaa iyokuu macneyn doonnaa xulashooyinka kale ee loo isticmaali karo si loo xalliyoxaaladdaada.

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4.Kasoowacfree@last01213275959 siaaduheshotaloiyocaawinaadtakhasuusaneebilaashah,sirahiyomadaxbannaanah.

GARGAARKA DARYEELKA (CAYRTA)Waxaad xaq u lahaan kartaa inaadcodsato cayrtaan:

Gunnada Shaqo-doonka (Job Seeker's

Allowance) haddii aad caafimaad qabtid

iyo diyaar u tahay inaad shaqeyso,

haddii shaqada lagaa rukhseyay ama

lagaa joojiyey.

Gargaarka Cunugga (Child Benefit),

Amaahda Canshuurta Cunugga (Child Tax

Credit) haddii aad cunug xannaaneyso.

Gunnada Taageerida Shaqada

(Employment Support Allowance) haddii

aad jiran tahay iyo shaqeyn karin.

Amaahda Canshuurta Shaqaalaha

(Working Tax Credit), haddii uu

dakhligaaga hooseeyo.

Gunnada Ku-Nololka Naafonimo

(Disability Living Allowance), haddii

aad 65 jir ka yar tahay ama aad qabtid

baahi dhaq-dhaqaaq ama xannaano

iyo uu baahan tahay in qof ku caawiyo

maalin walba.

Gunnada Joogitaanka (Attendance Allowance), haddii aad ka wayn tahay 65 jir iyo qabtid baahi

xannaano iyo u baahan tahay

inuu qof ku caawiyo maalin walba.

Gunnada Xannaaneeyaha (Carer's

Allowance), haddii aad xannaaneyso

qof naafonimo qabo.

Taageerida Dakhliga (Income

Support), haddii aad tahay

waalid keli ah.

Gargaarka Guriyeynta (Housing

Benefit), haddii aad u baahan tahay

inaad bixiso kirada meesha aad

degan tahay.

Ribada Amaahda Guriga (Mortgage

interest), haddii aad bixiso

amaahda guriga iyo hesho gargaar.

Gargaarka Canshuurta Kawnsalka

(Council Tax Benefit), haddii lagaa

rabo inaad bixiso Canshuurta

Kawnsalka.

Amaahda Hawlgabka/ Keydiinta

haddii aad tahay rag 65 jir &

haween 60 jir.

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Fadlan ogow in dhammaancaawinaaddeena iyo taladeena uu bilaash yahayiyo in lacag kaaga baxeyninisticmaalka adeeggeena.

Waxaan kugu caawin doonnaa iyotaageeri doonnaa codsiga gargaarwalba laga bilaabo buuxinta foomkaiyo codsiga rafcaanka goaanka hayadwalba iyo waxaan xittaa kugu caawinkarnaa dhegeysiga Maxkamadda Gargaarada Dawladda. Waxaan ku caawin karnaa markii lacag

dheeraad ah ka hesho cayrta iyo lagaarabo inaad dib u celiso, annagoo kulaqaban-qaabineyno qorshe lacag-bixinaad awoodi kartid ama xittaa kugu caawinaayno sidii lacagta lagaa dhimo.

Fadlanxasuusoindhammaangargaaradadawladdauuwaqtiwalbaxukumadabeddelikaro.Waxaankugutalinkarnaagargaarkaaadxaqulahaankartid,goortaaadcodsankartidiyosidaloocodsado.

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,, free@last 01213275959

free@last has been working in Nechells since 1998. It is run by local people andour focus is purely on the people who live in our community.

VISION

To improve the lives of the children and young people of Nechells.

MISSION

free@last is committed to providing opportunities, activities, mentoring and support for children and young people in Nechells, and to further their interests byworking with their families, other agencies and relevant professionals.

VALUES

Giving opportunities to all young people in Nechells without distinction.

The main priority of free@last is to build positive trusting relationships with localpeople. Through these friendships people allow us to become involved in theirlives and we can provide support for anyone who asks for it.

free@last offers a variety of support and projects that provide opportunities for

people to come together and learn new skills, have fun and improve their

quality of life.

Please feel free to drop into the office in Cattells Grove or give us a ring on

0121 327 5959 to see if we can help in anyway.