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Young Wrexham

Money

Borrowing money is easy – paying it back is a lot harder.

Major concerns about money are:

How come some people always have new designer clothes, the latest computer games, fast cars, holidays or can afford to go out and enjoy themselves much more than you can? The answer could be that they’ve borrowed money to pay for all these things, so they don’t really own them, and they are probably very worried about how they can pay for them. The Citizens Advice Bureau receives thousands of queries about debt problems every day.

The answer to avoiding debts is to budget. Even the richest people have a budget for their money – it’s true! Basically, you write down what money you have coming in, whether it’s pocket money, income from a job or benefits.

Then you write down the money that you HAVE to pay out – not for things that you would like to have, but for things like food, bus fares or car expenses, rent or mortgage, basic clothes and so on. Add up what you have to spend, take it away from your income, and you will find out whether you have enough money to cover your basic spending needs.

If you haven’t got enough money, don’t panic! You can look at ways of cutting back on your spending and there are people who can help you if you can’t manage on your current income..

If you do the sums and find that you have money over, that’s great. You can start saving and earning interest on your savings, so you have even more money, and you’ll be able to buy the things you’d like without having to get into debt.

For many students, it’s impossible to avoid debt, but there are ways of minimising it and of earning money while you study.

Local Contacts

INFO

Wide range of local and national information for young people, including money issues.

INFO
2 North Arcade
Chester Street
Wrexham
LL13 8BB.

01978 358900
infoshop@wrexham.gov.uk

Wrexham Council Student Support

We are responsible for assessing the eligibility and entitlement of all students normally resident in the area of the Authority attending Colleges and Universities throughout the United Kingdom.

Our primary purpose is to ensure that you receive all the assistance and advice you need to ensure your take up of higher education is as trouble free as possible.

Student Support Office
Ty Henblas
Queens Square
Wrexham
LL13 8AZ

01978 297406
Fax: 01978 297501
studentsupport@wrexham.gov.uk

Citizens Advice Bureau Wrexham (CAB)

For help with debt, money and budgeting. The CAB offers practical, reliable, up-to-date information on a wide range of topics including benefits, housing, employment, debt, consumer and legal issues. Visit the CAB website or phone to make an appointment at a local office.

Mon, Tue, Wed, Fri: 9.30am - 2pm

For further information on CAB in villages in Wrexham County, please contact CAB in Wrexham

Citizens Advice Bureau
35 Grosvenor Road
Wrexham
LL11 1BT

01978 364639

Youth Choices

Support, advice and guidance for young people. One to one or group sessions. Outreach and drop-in service.

Youth Choices
NACRO Wrexham
35 Chester Street
Wrexham
LL13 8AH

01978 293265

WCBC Welfare Rights

Provide a comprehensive Welfare Rights Service enabling young people to obtain their full entitlement to Welfare Benefits. Contact the phone number above for further information.

WCBC Welfare Rights
Gladman Buildings
Unit 5 Edison Court
Wrexham

01978 298254

Wrexham Jobcentre Plus

Advice and information as to what jobs are available and how to make a claim for benefit.

Wrexham Jobcentre Plus
Ty Maelor
15 - 17 Grosvenor Road
Wrexham
LL11 1BW.

01978 316500
Textphone: 01978 316536

Caia Park Community Advice Centre

Open to Caia Park residents only

Advice is given on a wide range of matters, including attendance allowance, carers allowance, charity grants, child benefit, child tax credit/working tax credit, council tax, disability living allowance, housing benefit, incapacity benefit, income support/pension credit, insurance, social fund, sure start maternity grant and vehicle excise duty.

Contact 01978 354825 for opening times.

Trading Standards, Wrexham County Borough Council

The Service exists for the benefit of consumers and businesses within the Wrexham area. Our aim is to ensure a fair and safe trading environment and to advance Animal Health and Welfare. We perform this role through law enforcement, advice and education.

Advice to Consumers is provided by Consumer Direct Wales.

8.00am to 6.30pm Monday to Friday and 9.00am - 1.00pm Saturday excluding Public Holidays and Bank Holidays.

08454 04 05 06 (calls at local rate)
www.consumerdirect.gov.uk/contact

National Contacts

Canllaw Online

National information website for young people in Wales.

Clic Online

National youth information website funded by the Welsh Assembly Government (WAG).

National Debtline

The helpline that provides free, confidential and independent advice on how to deal with debt problems.

0808 808 400

BBC One Life - Money

The site that tells you what’s what, whether it’s debt or buying a car!

Citizens Advice Bureau

Information on money and consumer rights for young people in Wales.

Student Finance Wales

This site provides online services and information for those in Wales interested in the financial help available to students in higher education.

credu

Credu provides an a digital interactive website for young people in Wales.

Gamblers Anonymous (UK)

Gamblers Anonymous is a fellowship of men and women who have joined together to do something about their own gambling problem and to help other compulsive gamblers do the same.

0161 976 5000

Need 2 Know

A comprehensive guide to money and finances for young people.

Student Loan Company

Details of Students Loans to those people on a Higher Education Course.

0845 6028845

Entitled To

Free calculators to help you work out your entitlement to benefits and tax credits.

Money Saving Expert

Information about all aspects of money from savings to Mortgages and H.E. Grants.

YouthNet UK

Keep on the right side of the law, cash in your pocket, and a roof over your head and anything you might need to know!

TheSite.org

TheSite.org is for young adults when they need support and guidance.

Consumer Credit Counselling Service (CCCS)

A registered charity to help you with debt problems.

Housing Benefit / Council Tax Benefit

For information please see the Housing Section of the council's website.

Samaritans

Free and confidential advice and support on any issue. Samaritans provides confidential non-judgemental support, 24 hours a day for people experiencing feelings of distress or despair, including those which could lead to suicide.

08457 90 90 90 / jo@samaritans.org