FEELING PINCH THE

worries can affect how we deal with our family and friends and impact our work lives too.

If you’re worried about the current cost of living crisis or need some advice, there is lots of help available, and there are many organisations that can help, no matter your circumstances.

TAKE A LOOK AT OUR GUIDE BELOW: MAKE THE MOST OF YOUR MONEY

Knowing where you’re spending your money can help you identify where you can make potential savings. Setting up a budget is essential; knowing your income and how much you have available to spend each month will make it easier to manage your money.

If you need help covering rising costs, government websites like Money Helper have helpful tools and calculators to help you assess your financial situation. From setting up and living on a budget to questions about money and debt management, they offer free, impartial advice and can help you to take back control of your money.

Barclays bank has set up a dedicated Money Management Hub, which has a wealth of valuable topics, digital courses, events and bitesize videos from money mentors if you need guidance.

Martin Lewis’s Money Saving Expert website offers practical tips and valuable advice for making the most of your money and getting the help you need. If you haven’t already, sign up for his weekly newsletter to get the latest moneysaving advice and news.

DEALING WITH DEBT?

If you find yourself dealing with mounting bills and debts, help is available.

The most important thing to remember is that you can access lots of free, confidential advice available online and through Health Assured. Talking it through can help you navigate any financial concerns you may have.

Don’t sweep debts under the carpet. The sooner you seek help, the sooner you can get back on track. Step Change Debt

Charity offers free advice, and no matter how large or small your debt situation is, they can help you get back on track with options, solutions and support.

You may even be able to apply for ‘Breathing Space’, a Debt Respite Scheme, to give you some protection from creditors while you get the help and advice your need.

Smart Savings

National charity turn2us provides practical help to households across the UK who are struggling financially.

They will assess your situation and help you understand what benefits or grants you might be entitled to, which could help you to save money.

As a Norse Group employee, you can also become a Wherry Dragon Credit Union member.

Not only can you apply for affordable borrowing plans, but they also offer simple saving schemes for as little as £10 a month, automatically deducted from your payroll. Over the next few months, Wherry Dragon will hold drop-in sessions and webinars across Norse locations for employees to sign up for.

Cashing In On Cash Back

There’s no denying that we all love to get a little something for nothing. And while we’re not talking full-on freebies, some websites offer voucher codes and cashback offers to help you save hundreds of pounds a year with large and small retailers, both in-store and online.

Every time you shop with brands on cashback sites like Quidco and Top Cash Back , you can save money and earn money back on purchases. Cashback sites are free to join; on average, most people can save up to £300 per year!

Did You Know

As a Norse Group employee, you have 24/7 access to Health Assured. Offering support on a wide variety of issues from financial wellbeing to stress and anxiety and more, you can take advantage of Health Assured’s services by calling 0800 028 0199 or visiting their dedicated website.

If you’re a smartphone user, you can download their app from the Google Play and App Store.

Speak To Someone

Charities like Mind and organisations like the Citizens Advice Bureau and CAP are available if you need to speak to someone about your situation. The worst thing you can do if you’re struggling is to suffer in silence. Speak to a trusted family member, friend or your line manager if your financial situation affects your work/life balance. They may be able to provide you with the help and support you need.

To access all the help, advice and resources mentioned in this article, scan the QR code below and follow the links.