Beginner's Guide to Money Management

How to manage money. A video aimed at children 9 - 12.

Beginner's Guide to Debt

A short video aimed at children aged 9-12 explaining what debt is.

Debt Advice Foundation

Debt Advice Foundation is a registered national debt advice and education charity offering free, confidential support and advice to anyone worried about loans, credit and debt.

http://www.debtadvicefoundation.org/

0800 043 40 50

National Debtline

Helpline that provides free confidential and independent advice on how to deal with debt problems.

Tel. 0808 808 4000

http://www.nationaldebtline.co.uk/

Tussell Trust Foodbank Network

The Tussell Trust is helping people in poverty across the UK with its network of food banks, where people in need can get an emergency supply of tinned food. People who are struggling are given a voucher by doctors, social services, priests etc which can then be exchanged for food. If you are desperate you could contact your nearest foodbank and explain your situation and perhaps they might be able to help. Remember this service is for people who literally have no money to go to the shops, not if you're a bit skint and fancy some free food so you can go to the pub with the savings.

You can find your nearest food bank here;

https://maps.google.co.uk/maps/ms?oe=UTF-8&hl=en&ie=UTF8&msa=0&msid=111130270486075675880.00048aa53ae68ca28799a&z=6

It is also possible to volunteer and donate tinned food.

Tussell Trust website HERE

Golden Dawn Distribute Food

Greek nationalist political party, Golden Dawn, distribute food they have bought, to Greeks only in Athens.

Wonga.com

Wonga.com is one of these Payday loan companies that give huge interest loans to people who clearly are struggling financially, otherwise they would not resort to getting such high interest loans.
These loans are particularly dangerous if for one reason or another, such as unexpected illness, the borrower isn't able to pay it back on the day it is due, which can make the loan spiral into an ever growing debt.
Wonga.com has sponsored Newcastle United and their brillant pr move was to announce the name of the stadium would revert back to St James Park. In one fell swoop thousands of Geordies, like lambs to the slaughter, viewed the company in a good light. How long before some of them go to their new 'friend' top borrow some money to pay for Christmas presents, or an energy bill that is due?
14th Nov 12. Borrow £265 from them for 16 days repayment due £313.19 Interest & fees = £48.19
No wonder the owners of Wonga.com, Errol Damelin and Jonty Hurwitz are multi millionaires. Money made from providing rip off rate loans.
The great news for Newcastle supporters is that there is a FAR SUPERIOR alternative, if they really could find a short term loan useful. Credit Unions are 100% customer owned and there is one in Newcastle called Moneywise. It offers pay day loans at a rate that is very reasonable compared to the 'professional' money lenders.
MONEYWISE
The representative APR on our Pay Day Loans in 26.8%
WONGA.COM
Representative APR 4214%
So,the difference in interest is Wonga's interest is 4,187.2% HIGHER than Moneywise. So, if you know a Newcastle fan considering a pay day loan PLEASE pass this info onto them. Spread this about on NUFC forums etc as every Newcastle fan should be informed there is a real decent alternative to the cuckoos in the nest. It could save you, friends and family money and major stress if you get a loan at a fair rate not a total rip off rate. Moneywise being a financial co-operative does not have a mega marketing budget like Wonga.com, so thats why lots of people will not of heard of them. Once people do, which do you think they would like to borrow money from!?
All regions have a local credit union, just google credit union with a place name to see what comes up.
More info on Moneywise here;
http://www.moneywise.org.uk/Loans-2