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Money advice

We know that money worries can be really stressful, so we’ll do everything we can to support you. This section includes useful information to help you stay on top of your finances.

Talk to us about your money worries

We offer a free, confidential money advice service to all of our tenants. Whether you’re looking for practical support, advice on budgeting or more information about how to manage your bills, our Financial Inclusion Officers are there for you. Sitting down with one of our Financial Inclusion team will give you the chance to plan your expenses and discuss your financial situation.

How can a Financial Inclusion Officer help?

When you get in touch with us about your money worries, we will ask a Financial Inclusion Officer to make an appointment to discuss your situation with you in more detail. This conversation could be over the phone or in person, either at our offices or in your home. Our service is honest, non-judgemental and treats everyone with respect.

The Financial Inclusion Officers can work with you to see if you’re receiving the right benefits, provide you with Food Bank vouchers and refer you to other services if necessary. We can also support you with reviews of benefits decisions and at benefit hearings.

For more information on our tenancy support services, download our leaflet now.

If you’re meeting with one of our Financial Inclusion Officers, please fill out a Financial Statement form beforehand, so we can get an idea of your situation before we meet.

Get in touch with us on 0800 2182247 to start feeling better about your finances. 

Welfare Fund

The Welfare Fund is a dedicated fund initially created to support our customers who were affected financially by Covid-19 – it has since continued to help those most in need.

This is a discretionary grant and is used to help ease financial pressures for one or more of the following reasons:

  • Urgent welfare or living expenses e.g. emergency food or utility costs
  • Essential domestic goods e.g. white goods, beds, crockery
  • Emergency or unforeseen expenses e.g. funeral costs, security measures
  • Health and Safety in the home or serious hygiene matters e.g. help with hoarding

The funding does not cover items such as: medical expenses, fences and gates, childcare, dentists, personal care, non-essential furnishings such as a sofa, home decorations and garden maintenance.  

If you, or someone you know, may need help from this fund, please get in touch with us. You can email us at or call us on 0800 218 2247.

Further financial support and advice

Some money issues are too complex for our Financial Inclusion Officers to help with. However, we can refer you to specialist services which may be better suited to your situation.

We recently partnered with Citizens Advice Watford for a new project called Your Money Matters which gives our tenants a fast track to tailored, expert money advice. You can get in touch with Citizens Advice by calling 0800 144 8848 or completing the ‘Your Money Matters’ enquiry form. Alternatively, you can contact us and we can make a referral for you. 

StepChange is a charity that provides free advice for people with debt problems. You can visit their website for a full range of guides and tools to help you feel more in control of your finances – they will support you for as long as you need their help. Alternatively, you can call them on 0800 138 1111. 

As well as our Financial Inclusion team, we also have housing officers on hand to support you with anything, including your rent account and tenancy. Click here to find out who your dedicated housing officer is.

Check out this helpful budgeting tool, provided by independent money advisors Entitledto, which can help you manage your money in a way that suits you.