We’re here for you
We respectfully support our members through life’s ups and down. Many of us have strains on our finances at some point – we’re here for you if that happens. Whether it is because of Covid-19 or another reason, please get in touch.
If you’d like expert help
get in touch with free-advice specialists
Financial difficulties
with repayments on existing loans or due to a change in personal circumstances.
Personal & family welfare
so no-one goes hungry or has to choose between food or other essentials.
Help with addiction
whether gambling, alcohol or substance related, it may cause financial difficulty. Take steps to deal with both together.
How to make the most of your benefits
Benefits can be a great help to make ends meet, repay your loans or even start building a rainy day fund and save for your retirement. We will explore how you can get the most out of your benefits and also help you to find out what you can claim.
Increase your income
Universal Credit is a benefit that can assist people who are unemployed, or those with low salaries, to top up their income. The total amount you can get depends on several things such as whether you have a partner, number of dependents or your housing costs. Universal Credit also depends on your monthly take-home pay, so if you have a variable salary, it is a great way to smooth your income.
Specific groups such as low and middle-income families, or disabled people, can get additional benefits that reflect their higher living costs such as Child Benefit, or Personal Independence Payment.
Help with Financial Difficulties
Things happen unexpectedly which might make it difficult to keep up with loan repayments. If you are struggling to make ends meet or having a tough time, please get in touch.
We can help take the pressure off and get you back on track by understanding your circumstances.
We might offer you an affordable repayment plan which preserves your credit score and the chance of getting other loans in future. In some circumstances, we can help a monthly budget go further by consolidating costlier loans from other lenders.
We might refer you to one or more of these reputable firms who give free advice on how to improve your circumstances or might help you review your finances.
Money Advice Service
An independent advice organisation, to help everyone understand and manage their money better.
Whatever the situation with your finances, it’s good to know where you stand and that you are making the most of what you have.
Benefits Calculator
Benefits can be a great help to make ends meet, repay your loans or even start building a rainy day fund and save for your retirement. We will explore how you can get the most out of your benefits and also help you to find out what you can claim. Calculate how much you are entitled to.
www.kentsavers.co.uk/benefit-checker
Kent Money Advice Hub
Worried about money? The Kent Money Advice network provide free, impartial advice unperson,via phone, WhatsApp and video chat.
https://kentmoneyadvicehub.com/
StepChange Debt Charity
A leading debt charity to get expert debt advice and fee-free debt management to help you tackle your debts.
Citizens Advice Bureau
Offering independent and confidential advice on issues such as debt, money problems and welfare benefits.
Credit Action
A national money education charity, offering a range of resources, tools and training to help everybody handle their money well. These include free online guidance on budgeting and dealing with debt.
National Debtline
A national charity that gives free and independent debt advice over the phone and online.
Debt Advice Foundation
A registered national debt advice and education charity offering free, confidential support and advice to anyone worried about loans, credit and debt.
Personal and family welfare
Everyone deserves a reasonable standard of living , so that ‘going without’ becomes a thing of the past.
We support our members with access to a network of trusted agencies who can help with housing, utility costs, welfare benefits, charitable grants, support services and provision of food.
If you are concerned about housing, household goods or being able to feed yourself or your family, help is at hand through these agencies.
Shelter
Making sure no one has to fight bad housing or homelessness on their own.
Kent Support and Assistance Service
Kent County Council: providing short term assistance to households facing serious difficulties managing income due to a crisis or exceptional pressures because of an emergency. Tel: 0300 333 5700.
Utility bills
For help with arrears on your gas, electricity or water bills, contact a free advice firm for help applying for arrears to be repaid on your behalf.
Turn2Us
Turn2us helps people in financial need gain access to welfare benefits they are due, to charitable grants including for white goods, and other financial help – online, by phone and face to face through partner organisations.
KCC Food Bank directory
A directory of food banks operating in Kent or that help deliver food to those unable to access a food bank.
Trussell Trust
Supporting people through a network of food banks to provide emergency food and resolve the crises they face.
Fareshare
Network of charitable food redistributors.
Salvation Army
Providing practical support to people in crisis through food banks and community work.
Kent HomeChoice
Providing information to help people make the right housing choices.
Support with addiction
Gambling, alcohol and drug addictions can have a material effect on personal finances. Equally, the pressure of coping with debt can make it hard to focus on getting help with an addiction.
If you, or someone you know, are struggling with debts and addiction, it’s important to look at both issues together.
Alongside the help that Kent Savers can provide regarding your loan arrears, these organisations provide confidential advice to help with addiction.
GamCare
Providing information, advice, support and free counselling for the prevention and treatment of problem gambling. They also operate the National Gambling Helpline.
Gamblers Anonymous
A fellowship of men and women who share their experience, strength and hope so that they may solve their common problem and help others do the same.
Citizens Advice
Help with managing personal or family gambling problems, together with debt arrears.
Drinkaware
Providing independent alcohol advice, information and tools to help people make better choices about their drinking.
Alcoholics Anonymous
Free and anonymous face-to-face support and advice for people with alcohol problems.
www.alcoholics-anonymous.org.uk
Frank
Everything you need to know about drugs, their effects and the law. Talk to Frank for facts, support and advice on drugs and alcohol today.
Adfam
Supporting and empowering families affected by substance abuse by working with frontline workers.
