KCC: The Kent Money Advice Hub

 

'People go to the Money Advice Hub  with a lot on their shoulders, and they finish the call with an instant sense of relief and an increase in confidence.'

Are you worrying about money? The Kent Money Advice Hub could help you.

 
Click HERE for more information

Information provided by South East HIVE Hub

Lichfield: Citizens Advice Living and Energy Talk - 13 October

 Information provided by Central HIVE Hub

Wiltshire: Wiltshire Money newsletter - Sep '25

 

Please click here to read this helpful newsletter online

Information provided by Colerne & Lyneham HIVEs

Wales: Armed Forces Family Focus - Citizens Advice Service in Wales

 
Citizens Advice:

Our Wales-wide holistic advice service supports service men and women, ex-service personnel, and their families by providing practical, comprehensive, and tailored advice on benefits, debt, welfare, and housing, helping them access the right support and information to move forward.

Our project will provide holistic, multi-issue support, including:

• Income maximisation (identifying unclaimed benefits, supporting grant applications)
• Practical assistance accessing financial support following injury or development of health conditions
• Unlocking entitlement to financial support for carers and connecting them with specialist support agencies
• Help with benefit applications and appeals
• Access to emergency financial support (fuel vouchers, food bank referrals)
• Managing problem debt and preventing financial crisis
• Housing rights advice (tenancy support, preventing evictions, ensuring safe living conditions)
• Advice on employment matters, such as general employment rights, flexible working to accommodate caring responsibilities and potential discrimination

Contact our helpline on 0808 531 0313 Monday to Friday 8am until 7pm and Saturdays 9am to 1pm.

https://cacv.org.uk/our-projects/armed-forces-family-advice-service/

This service is provided by Citizens Advice Cardiff & Vale and Citizens Advice Caerphilly Blaenau Gwent and funded by the Armed Forces Community Covenant Fund.

DWP news update: Children to benefit from funded childcare

The Government has delivered its pledge to fund childcare for 30 hours a week – saving parents £7,500 a year per child.

Take-up is expected to be over and above initial projections, with over half a million kids on track to be more school ready by age 5, giving every child the best start in life.

The Best Start in Life website brings together trusted information, guidance, and support into one place where parents will be able to check what childcare help they’re eligible for, find their local family services, sign up for tailored weekly updates, and access advice from everything from pregnancy to preparing a child for school. 

Click this link to Read the full press release

Northern Ireland: NIdirect Cost of Living Information and Advice

  

Information and advice about support with the cost of living, including:
• help with energy costs
• help with your income
• help for families and children
• help for older people
• help with housing
• help with other costs
Find out more: https://www.nidirect.gov.uk/cost-of-living
Jobs & Benefits Northern Ireland

Information provided by HIVE NI

Hampshire: Hampshire County Council money worries

Please click on the link below to access the HCC website that provides vital information for families who may be struggling due to the cost of living crisis with lots of useful links.

Click HERE for more information.

Information provided by South East HIVE Hub

Fife: Citizens Advice and Rights Fife - worried about paying your council tax?

Worried about Council Tax?

You’re not alone – and help is out there.

👉 You might qualify for discounts or exemptions
👉  Apply for a Council Tax Reduction if your income is low
👉  Get extra help with rent through Discretionary Housing Payments

💬 We can check what support you’re entitled to and help you apply.

Don’t wait until bills pile up – reach out today.

Get advice 👉 Home | Citizens Advice and Rights Fife

Get help 👉 Cost of Living Support

Information provided by Leuchars HIVE

Serve and Protect Credit Union: Fixed Saver Launched 1 Sept - Guaranteed return of 4% AER

Fixed-Rate Savings Account - Now Available

A quick update: a new issue of the fixed-rate savings account from Serve and Protect Credit Union is now available. This is part of the financial wellbeing benefits that Service personnel and MOD Civil Servants have access to as an employee.

• 4% AER fixed for 12 months (starting 1 October)
• No fees or surprises

This is simply for your awareness - it’s not a recommendation. Please take a look and decide if it’s right for you. The account is available to apply for until 28 September 2025 and you need to become a member first – which is free.
You can learn more here: https://sandpcu.co.uk/army-fs

Terms and eligibility criteria apply.

Gov.uk Armed Forces Pensions Update: Pension Scams

The over-arching link for all Armed Forces Pensions information can be found at: https://www.gov.uk/guidance/pensions-and-compensation-for-veterans

Serve and Protect Credit Union – Sept Financial Education Webinars

Serve & Protect Credit Union have the following upcoming financial education webinars:

Topic: Eco-Friendly Ways to Save Money
Date: 04 September 2025
Time: 1200 - 1245
Register: Eco-Friendly Ways to Save Money | Serve and Protect Credit Union

Topic: Budgeting 101: Take Control of Your Money
Date: 08 September 2025
Time: 1200 - 1245
Register: Budgeting 101: Take Control of Your Money | Serve and Protect Credit Union

Topic: The Road to Financial Resilience: Preparing for the Unexpected
Date: 23 September 2025
Time: 1200 - 1245
Register: The Road to Financial Resilience: Preparing for the Unexpected | Serve and Protect Credit Union

Topic: Credit Score 101: Tips to Boost Your Score
Date: 25 September 2025
Time: 1200 - 1245
Register: Credit Score 101: Tips to Boost Your Score | Serve and Protect Credit Union

Topic: Before You Borrow: Key Things to Know
Date: 30 September 2025
Time: 1200 - 1245
Register: Before You Borrow: Key Things to Know | Serve and Protect Credit Union

For more information on Serve & Protect webinars, please visit: https://serveandprotectcu.co.uk/education/webinars/

2025 Army Families Federation questionnaire on Service pay

The Army Families Federation (AFF), Naval Families Federation (NFF) and RAF Families Federation (RAFFF) are jointly running a questionnaire to hear from Regular Service Personnel and their families about satisfaction with pay and personal financial circumstances over the past 12 months.

The responses will help to:

Better understand the financial challenges faced by service families.

Identify any trends or issues specific to each of the single services.

Provide robust, evidence-based feedback to the MOD, the Armed Forces Pay Review Body, and other key stakeholders.

To take part in this questionnaire, which is open to serving personnel, spouses and partners, please click the link below.

https://www.surveymonkey.com/r/AFF2025_Pay_Questionnaire

The questionnaire should take no longer than 10 minutes to complete and every response helps strengthen the evidence that family federations can present on behalf of families.

Wiltshire: Household Support Fund extended to help Wiltshire's most vulnerable until March 2026

Wiltshire Council has welcomed the UK Government's decision to extend the Household Support Fund (HSF) for another year, ensuring vital assistance continues for residents most in need. The seventh round of the fund, known as HSF7, will run from 1 April 2025 to 31 March 2026.

The Household Support Fund is designed to provide crisis support to households struggling with essential living costs, such as food and utility bills. It also offers preventative support, including budgeting and cookery classes, and the purchase of energy-efficient appliances like fridges and cookers.

Department for Work and Pensions (including Jobcentre Plus) bank holiday arrangements for 25 August 2025

The Department for Work and Pensions (including Jobcentre Plus) office opening arrangements are different for the 25 August bank holiday.

England, Scotland and Wales:

On Monday 25 August offices and phone lines are closed.
To make sure people get their payment on a day when our offices are open, arrangements have been made to make some payments early.
If the expected payment date is Monday 25 August then benefits will be paid early on Friday 22 August.
If the expected payment date is not shown, customers will get their money on their usual payment date.

Stop Loan Sharks: Summer Newsletter

 
Stop Loan Sharks have published their summer newsletter. This jam packed edition features the latest arrests, a video for school children, a new campaign encouraging partners to support victims in making the call, and much more.

To read the newsletter please click HERE

For further information please visit the Stop Loan Sharks website: Home - Stop Loan Sharks

Wiltshire: Struggling with high energy prices and the cost of living? Warm and Safe Wiltshire may be able to help!

Please click the images to enlarge

To visit the website, please click here

Information provided by Colerne & Lyneham HIVEs

Scotland: MyGov Scot Best Start Grant and Best Start Foods

Best Start Grant and Best Start Foods are payments that help towards the costs of being pregnant or looking after a child.
About Best Start Grant

The 3 Best Start Grant payments are:

Pregnancy and Baby Payment

Pregnancy and Baby Payment helps with the costs of having a baby. You can apply for this payment during pregnancy to help prepare for your baby's arrival, or after your baby is born.

Early Learning Payment

If your application is successful you'll get £319.80 to help with the costs of early learning. You can get the payment when your child is aged between 2 years old and 3 years and 6 months old. To get this payment your child does not need to go to nursery.

School Age Payment
School Age Payment is a payment of £319.80 per child. It helps with the costs of preparing for school when your child is first old enough to start primary school.

Defence update - Simplifying overseas service finances

Simplifying overseas service finances…

Defence’s new digital tools and updated allowances help you and your family navigate the financial aspects of overseas assignments – with greater confidence and less paperwork.

When serving overseas, you should be able to focus on your work and settling into your new location, without worrying about unexpected costs or navigating complex policies.

Financial stability and a clear understanding of what you and your family can receive are essential components to support operational effectiveness. That’s why Defence is freeing up valuable time and providing welcome reassurance, by simplifying allowance processes and providing tools that reduce admin.

These changes make the move to overseas life smoother for everyone, providing greater clarity and choice – whether you’re posted abroad or keeping a home across borders.

Easier claims with more flexibility

From 1 July 2025, eligible personnel assigned to Brunei, USA, Kenya, and select European and Rest of World locations (administered by the Global Support Organisation) can opt into the Global Mobility Allowance (GMA) trial.

This initiative combines existing Disturbance Expense Overseas, Respite Provision, and Overseas Private Vehicle Provision allowances into a single, non-taxable lump sum payment – and there’s no requirement for expenses receipts to be provided before claiming.

The GMA Calculator gives a real-time, tailored estimate of how much you will receive, and you can use the allowance however you see fit – with JSP 752 providing guidance on expenses the combined allowances can contribute towards.

Planning made simple

The new Overseas Allowances Reckoner (OAR) tool instantly calculates personalised allowance estimates for those preparing for overseas assignments. Simply enter basic details about your assignment location, family status, and accommodation type to receive immediate values for applicable overseas allowances.

This tool removes the need for time-consuming paperwork and manual calculations, reducing risk of errors and providing greater certainty and reduced stress, during what can be a challenging transition period.

Supporting family connections

For eligible unaccompanied and single Service personnel, with family homes in Europe while permanently assigned in the UK, the Get You Home (Travel to Europe) trial scheme has been extended until June 2026. This provides contributions for up to two return journeys to your European residence, per month.

Qualifying European countries include Cyprus, Germany and France and can be used towards travel via flights, ferry, rail or road.

Disturbance Expenses rate uplift

From 1 July 2025, eligible Service personnel moving to the UK from overseas can claim the same, higher ‘overseas rate’ for Disturbance Expenses as those moving overseas from the UK.

More information

· Read about the new allowance updates and explore the calculation tools on defnet and Defence Connect.

· Visit discovermybenefits.mod.gov.uk – to access the ‘Families Hub’ and information on what’s included in ‘Your Offer’.

Serve and Protect Credit Union - July update

📢 Free financial webinars this July from Serve and Protect - don't miss out!

This July, Serve and Protect Credit Union are delivering a range of free educational webinars on the following financial topics:Thu 3rd - Eco-Friendly Ways to Save Money
Thu 3rd - People Over Profit: The Credit Union Movement
Tue 8th - Responsible Lending: How We Can Stop Loan Sharks Together
Thu 10th - Budgeting 101: Take Control of Your Money
Tue 15th - Harmful Effects of Gambling: Presented in collaboration with GamCare
Thu 17th - Credit Score 101: Tips to Boost Your Score
Tue 22nd - The Road to Financial Resilience: Preparing for the Unexpected
Thu 24th - Before You Borrow: Things to Know

With actionable tips to prepare for financial emergencies, improve your credit score, and budget your money, don't miss out on these free webinars from Serve and Protect!

🔗 Register here: https://sandpcu.co.uk/hs-webinars

NEW webinar available 🚨

Credit unions are an ethical and responsible way to manage your money and improve your finances. These not-for-profit cooperatives are all about putting people over profit! 🌍

Discover how you could benefit from joining a credit union with the latest webinar from Serve and Protect Credit Union this July.

👉 Learn more and register for free here: https://sandpcu.co.uk/hs-webinars

Improved website accessibility

Serve and Protect Credit Union are here to help you meet your financial needs 🙌

Their new website accessibility toolbar also means you can access Serve and Protect's free financial resources in a way which meets your unique requirements.

From built-in screen reading functionality, to reading aids, customisable styling options, and translation into over 100 languages, their website is truly accessible to all 😊

👉 Learn more about Serve and Protect via their website: https://sandpcu.co.uk/hs-update

Understanding loan sharks

Why are loan sharks so dangerous? 💸

When life throws us financial surprises, it can be tempting to consider quick fixes such as a loan from an unregulated lender. However, turning to loan sharks can bring devestating consequences to you and your loved ones 🤕

Serve and Protect Credit Union recently spoke with Stop Loan Sharks to understand the dangers, signs to look for, and the support available for victims.

👉 Read the full article here: https://serveandprotectcu.co.uk/articles/what-are-loan-sharks-and-why-are-they-so-dangerous/

Wales: Welsh Government - Get help with school costs

From 1 July, families in Wales could get £125 per child through the School Essentials Grant to help with costs for the new school year. 

Check your eligibility: https://www.gov.wales/get-help-school-costs

Information provided by Wales HIVE Hub.