The recent #snow and #ice might be moving away, but the latest reports suggest that people’s #finances remain under a #bigfreeze. Even with the recent #payday, winter costs and #bills are leaving many of us with unpayable debts and minimal available balances, pushing many several steps backwards financially at the start of 2019. You can find out more about our work, and how we can help you get to grips with your #money this year, at: https://themoneycharity.org.uk/

Whether #retirement is near or far away for you, it’s important to give it careful thought and planning. This article from the end of last year has some useful #tips on starting to think it through – https://www.yourmoney.com/retirement/10-tips-if-you-plan-to-retire-in-2019/ And if you’d like to engage your #workplace #colleagues or #community group with this together, why not book our new Retirement #Workshop? https://themoneycharity.org.uk/work/adults/ #FF

We’re really excited to announce that our popular #BudgetBuilder is now available as an #app! Since its launch, thousands of users have signed up to our #free online #budgeting tool, making a vital first step in getting to grips with managing their money well. The app is available on #Apple and #Android, and can also sync with the desktop version, so there’s no better #MondayMotivation to sign up. https://play.google.com/store/apps/details?id=com.bb.umair.budgetbuilderandroidGreen https://itunes.apple.com/us/app/the-money-charity-budget-build/id1444623043?ls=1&mt=8

Our #January 2019 #MoneyStatistics are out today, where we highlight that low #savings rates and rising #debt point to the need for the UK to make #financial New Year’s #Resolutions! Find out more at: https://themoneycharity.org.uk/?p=53217 or get the full report at: https://themoneycharity.org.uk/money-statistics/ If you’d like to receive the report each month, please email hello@themoneycharity.org.uk #FF

Today is claimed to be the day most #Brits expect to have either run out, or be seriously low, on #money for the month. Even with #payday close, around 6 in 10 say they’ve experienced money worries through #January.

We believe that #financialcapability is the answer. Managed well, and with sound #financial planning, clear #budgeting and greater financial understanding, everyone can use their money to achieve their goals and increase their #wellbeing. https://themoneycharity.org.uk/

Did you know that air #passenger duty for long-haul #flights is increasing from #April? With lots in the chilly-January-holiday-booking mood, and #travel options uncertain after Brexit, it’s worth looking for deals now. Shopping around, planning and sticking to a #budget, and only committing to something you can afford are key parts of #financialcapability. Find out more at: https://themoneycharity.org.uk/ #FF

If #2019 is the year that you, or someone you know, is looking to head to #university, then you definitely want to get hold of a copy of our #StudentMoneyManual! Packed full of useful advice, help and ideas, it really is the essential guide to #student #finance and managing #money well at #uni. You can order your copy (or copies) by heading here: https://themoneycharity.org.uk/resources/ #CharityTuesday #TuesdayThoughts

It’s estimated that #household #emergencies have affected almost half of the UK in the last two years, with the average #fix costing over £500, adding up to nearly £4 billion in total! You can’t anticipate emergencies but #budgeting and being #financiallycapable means planning for all sorts of eventualities, both good and bad ones. If you’ve never got started on putting together a #Budget, why not use our free online #BudgetBuilder to do so? https://budgetbuilder.themoneycharity.org.uk/ #WednesdayWisdom

#NewYear = New #Resolution to join, or use, the #gym? A New Year’s #fitness drive can only be a good thing, but shopping around for your best options and prices, as well as checking carefully that the #contract you’re signing is comprehensible, fair and appropriate, is essential. Read what you’re signing carefully and make sure you understand it, if it’s unclear ask for an explanation, if you think it’s unfair ask for something to be amended, and only ever sign it if you’re happy. For more great ideas on managing your #money well, order a copy of one of our #MoneyManuals: https://themoneycharity.org.uk/resources/

#NewYear = new #energy price cap! Typical usage by a dual-fuel customer paying by direct debit will now cost no more than £1,137 a year. #Ofgem estimates this will save 11 million people an average of £76 a year, but customers should still (always!) shop around for the best deal. For more great ideas on managing your money well, get a copy of one of our #MoneyManuals: https://themoneycharity.org.uk/resources/ #FF

#NewYear = new money savers! The ‘#Millennial #Railcard’ went on sale yesterday, offering cheaper travel for 26-30s. With fare rises and only a quarter of #UK #train #commuters saying they can ‘afford’ their #seasonticket, anything that saves #money is worth knowing about. For more great ideas, get a copy of one of our Manuals: https://themoneycharity.org.uk/resources/

#HappyNewYear! The Money Charity office will be reopening tomorrow and we look forward to spreading the word further about #financialcapability in #2019! https://themoneycharity.org.uk/ #NewYear#CharityTuesday

A very #MerryChristmas to you and all your loved ones today! https://themoneycharity.org.uk/ #HappyChristmas #Christmas #Xmas #CharityTuesday

Our #December 2018 #Money #Statistics are out today, where we highlight that significant gaps continue in #UK #pension coverage despite positive progress. Find out more at: https://themoneycharity.org.uk/?p=53158 or get the full report at: https://themoneycharity.org.uk/money-statistics/ where you can also sign up to receive the #MoneyStats every month. #WednesdayWisdom

#Teachers + their amazing hard work are our #MondayMotivation, so we’re delighted to launch more of our engaging + interactive Teacher Resource Packs, perfect ‘lessons in a box’ for teachers + great value! https://themoneycharity.org.uk/work/young-people/teacher-resource-packs/ #financialeducation #lessons #resources

#TheMoneyCharity Team are in a variety of different places in the UK today, spreading the word about #financialcapability, but we’re still proudly joining #ChristmasJumperDay! https://themoneycharity.org.uk/ #Friyay #FF #HoHoHo

#TheMoneyCharity Team are in a variety of different places in the UK today, spreading the word about #financialcapability, but we’re still proudly joining #ChristmasJumperDay! https://themoneycharity.org.uk/ #Friyay #FF #HoHoHo

A big #congratulations to our consultant Carol for delivering her Six Hundredth #workshop for us last week; Ysgol Bryn Alyn​ in #Gwersyllt had the honour of hosting the occasion! Well done Carol from us all and here’s to many more.

With average outgoings now overtaking income, more people, potentially almost half of UK employees, are taking on extra #jobs or #sidehustles to maximise what’s coming in. This can be a good move if you can manage it and there are lots of options for how to fit this into the rest of your life. Our two #MoneyManuals can give you ideas on where to start, as well as loads more smart advice on how to start managing your #money well. Get your copy here: https://themoneycharity.org.uk/resources/ #ManualMonday

Recent headlines have been full of the difficulties for many of affording #Christmas, with research suggesting some will pay for it all on #credit (and worry about it later), some will be downgrading everything they usually try to do, and others saying they’ll be cancelling Christmas all together, #HoHoNo! Whatever you’re aiming to do, it’s not too late to #budget your Christmas and you can get started with our #BudgetBuilder: https://budgetbuilder.themoneycharity.org.uk/ #FF #FestiveFinances