Manage your money
Use the internet for the best deals for your fuel and other bills. Find money advice at:
Improve your skills
Local training providers offer courses to help you improve your money management skills along with the skills you need for a job. Getting a job is the best way of preventing the impact of the benefit cuts. See our jobs and training page.
Start saving money now
Saving money, even a little each week, is the best way to help you deal with unexpected problems.
Financial help in an emergency
If the unexpected happens and you suddenly find yourself in difficulties you may get help through the
Discretionary Crisis Fund.
If you need to borrow money, make sure you do this at an affordable rate. Good deals for people living and working in the Rochdale borough are available from
Manchester Credit Union.
Don't use a loan sharks, they're illegal moneylenders who often charge very high interest rates. Find out more about
spotting or reporting loan sharks.
Don't get into debt you can’t manage. Too much debt can cause problems in the long term so take care when thinking about a loan. Make sure that you can afford to keep up the repayments and that the interest rate is affordable.
Take the Money Advice Service debt test to find out how likely you are to have problems with your borrowing over the next year or so.
Fair For You is a registered charity that helps people from lower income families gain access to affordable credit to purchase goods for the home. You buy directly from the manufacturer and take out a loan from Fair For You, then pay later in weekly, fortnightly or monthly instalments.
Get help - talk to someone
Contact local or national organisations for
money, benefits and debt advice.
Free training for unemployed adults
View the many local training organisations who offer free accredited training to unemployed adults.
Ways to save money
Things to do (and see) in Rochdale - on a budget