Managing your money
Successful management of money is an important part of maintaining your independence and personal wellbeing.
Good information and advice is available on making the most of your money, whatever your financial circumstances.
Budgeting and planning
Making your money go further
Budgeting allows you to ensure that your spending stays within what you can comfortably afford, and lets you prioritise the things that are most important to you.
The Government's Money Advice Service provides good easy-to-understand online information and budgeting tools.
Plan before you borrow
Understanding the cost of borrowing money is an important part of staying within your budget.
The Money Advice Service offers a range of ways of planning properly if you decide that you do need to borrow money so that there aren't any surprises about how much you'll have to repay and when.
It's important that you are getting the benefits you are entitled to. Many benefits are not means-tested, this means you become eligible because of a mental or physical illness or disability.
Find out more about benefits and financial support.
Calculating your benefits
Online benefit calculators are available that will work out for you the benefits you can claim from local and national government.
Dealing with debt
Understanding the options
If you find yourself owing more money than you can afford to pay, it is easy to feel panic and despair. There's lots of personal free advice available both nationally and in Buckinghamshire.
Getting free debt advice
Get free, confidential and independent advice on dealing with debt problems from National Debtline.
Call free on 0808 808 4000
Monday to Friday 9am to 9pm, Saturday 9.30am to 1pm.
Free local advice
Citizens advice offer local, personal debt advice in several Buckinghamshire and nearby towns:
Aylesbury & District Citizens Advice
2 Pebble Lane, Aylesbury, Buckinghamshire, HP20 2JH
Telephone: 03444 111 444
Buckingham Winslow and District Citizens Advice
Wheeldon House, Market Hill, Buckingham, Buckinghamshire, MK18 1JX
Telephone: 0344 245 1289
Citizens Advice Chiltern
Townsend House Townsend Road, Chesham, Buckinghamshire, HP5 2AA
Telephone: 01494 545 991
High Wycombe and District Citizens Advice
8 Easton St, High Wycombe, Buckinghamshire, HP11 1NJ
Telephone: 0344 245 1289
Citizens Advice Bicester
The Garth, Launton Road, Bicester, Oxfordshire, OX26 6PS
03444 111 444
Citizens Advice Leighton-Linslade
Bossard House West Street, Leighton Buzzard, Bedfordshire, LU7 1DA
Telephone: 01525 373 878
Thame Citizens Advice
Market House North Street, Thame, Oxfordshire, OX9 3HH
Telephone: 08444 111 444
Money and mental wellbeing
Financial worries and mental wellbeing
Being in debt or having money worries can have a negative impact on your mental health and wellbeing.
Mental health charity 'Mind's national' has a series of pages with information and advice on money and mental health.
When to seek urgent help
If you start feeling like you really can't cope, life is becoming very difficult or your life isn't worth living, get help straight away. These are dangerous signs that mean you need to talk to someone.
Ask to see your GP, or contact the Samaritans (08457 90 90 90) for confidential, non-judgmental emotional support.
If you've already had depression or anxiety, even if they weren't formally diagnosed, seek help immediately. You're more likely to have an episode of depression if you've had one before.