Family Finance aims to inform and educate families, leading to their greater financial well being and consequent improvements in lifestyle.
Universal Credit / Housing Benefit
In Reading all single people with no dependants that are out of work will be invited to claim Universal Credit, this will be extended to all claimants over the next few years.
This credit will replace income-based jobseeker's allowance (JSA), income-related employment and support allowance (ESA), income support, child tax credit, working tax credit and housing benefit. In the future there will only be a single universal credit payment made once a month. You can also visit the government website page for Universal Credit and / or Advice Guide information on Universal Credit on the CAB website.
Reading Borough Council website has information on Housing Benefit & Council Tax Support
You can also find out about the Rent Guarantee Scheme
TURN2US - Turn2us helps people in financial need gain access to welfare benefits, charitable grants and other financial help – online, by phone and face to face through our partner organisations.
For information on Child Benefit how much you are entitled to and how to apply visit the gov.uk website.
Job Seekers Allowance online
You can now claim Job Seekers Allowance online provided you meet certain criteria. To find out more, view www.gov.uk/Jobseekers-allowance/overview
‘MA’ (The Money Advice Service)
An independent service, set up by government to help people make the most of their money. The service give free, unbiased money advice to everyone across the UK – online, over the phone and face to face.
In Reading there is a food bank service called ReadiFood to access this service you must be referred by Reading Borough Council, the job centre or another professional body / agency. There is also a local charity New Beginings, that support vulnerable people and families in Reading that have a community fridge, also run an after school club and other services. Throughout the school holidays a number of faith organisations also offer free meals to families.
A loan shark is someone who lends money without the permission required by the Financial Conduct Authority. Victims are charged astronomical rates of interest, and often face violence, intimidation or blackmail if they fall behind with payments. To find out if a company is legitimate or to report a loan shark please visit the Government website.www.gov.uk/report-loan-shark
Last reviewed May 2019.