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Pennysmart CIC @pennysmartcic.bsky.social · 8h

Do you work with households facing financial hardship?
Get Free expert money, debt and benefit advice.
Supporting anyone that lives in Crewe?

Email: [email protected]
Tel: 01244 651210
Text/Whatsapp: 07934901186

#moneyadvice #debtadvice #benefitadvice #crewe

Pennysmart CIC @pennysmartcic.bsky.social · 12h

#AdviceWeek is here! We’re joining @adviceuk.bsky.social to highlight the vital role of advisers across the UK & why a National Advice Workforce Strategy matters for the future. Free, independent advice changes lives every day. Let’s make sure the people who deliver it are supported too.#AdviceSaves

1

Pennysmart CIC @pennysmartcic.bsky.social · 3d

🎃 Scary Spending Series
Enjoy Halloween without overspending:
🔹 DIY costumes
🔹 Budget-friendly decorations
🔹 Bulk-buy treats
🔹 Free local events
Smart choices = spooky fun without financial fright.
#ScarySpending #BudgetHalloween #FinancialWellbeing #FrugalLiving

Pennysmart CIC @pennysmartcic.bsky.social · 4d

📣 Parents: Don’t miss out on up to £2,000/year in support!
HMRC urges families earning under £100k to register for Tax-Free Childcare this autumn.
Quick, easy, and could make a big difference.
More info 👉 www.mirror.co.uk/money/hmrc-t...
#ChildBenefit #FamilyFinance

Pennysmart CIC @pennysmartcic.bsky.social · 5d

Don't get caught out by work expenses. Check first, claim later. It’s free with HMRC.

Check you're eligible on GOV UK before claiming work expenses.
dontgetcaughtout.campaign.gov.uk/claiming-exp...

#workexpenses #tax #HMRC #moneyadvice

Pennysmart CIC @pennysmartcic.bsky.social · 6d

Do you work with households facing financial hardship?
Get Free expert money, debt and benefit advice.
Live in the Wirral, Merseyside, Halton, Sefton, Knowsley or Liverpool area?
Email: [email protected]
Tel: 01244 651210
Text/Whatsapp: 07934901186
#moneyadvice #debtadvice

Pennysmart CIC @pennysmartcic.bsky.social · 7d

💸 Nearly half of UK adults feel financial FOMO - but you can beat it.
✅ Use money tools
✅ Maximise rewards
✅ Invest spare savings
✅ Switch smart accounts
✅ Set realistic goals

www.mirror.co.uk/money/expert...

#MoneyMonday #FinancialFOMO #MoneyConfidence

Pennysmart CIC @pennysmartcic.bsky.social · 10d

🍂 Fall into Savings
Lower your bills this autumn with smart energy & meal tips:
🔌 Seal drafts, layer up, switch to LEDs
🥘 Batch cook with parsnips, carrots & potatoes
🛒 Plan meals, shop seasonal, waste less
💡 Small changes = big savings
#FallIntoSavings #FrugalFriday

Pennysmart CIC @pennysmartcic.bsky.social · 11d

💡 Want to be better with money?
MoneyWeek shares 4 simple rules to live by:
✅ Spend less than you earn
✅ Avoid bad debt
✅ Save regularly
✅ Protect what you have
📖 Read more: moneyweek.com/personal-fin...
#MoneyTips #FinancialWellbeing #SmartChoices

Pennysmart CIC @pennysmartcic.bsky.social · 12d

📍 Want better mobile signal?
Find out which network works best in your area with this FREE postcode checker from Ofcom 👇
🔗 www.ofcom.org.uk/mobile-cover...
📰 www.yourmoney.com/household-bi...
Helping you stay connected & make smarter choices 💡
#PennySmartCIC #MobileCoverage #DigitalInclusion

Pennysmart CIC @pennysmartcic.bsky.social · 13d

As the nights get longer, make your budget stronger.
🔹 Review unused subscriptions
🔹 Start planning for Christmas expenses
🔹 Check if you're eligible for benefits
Smart budgeting now = less stress later.
#CosyUpToYourBudget #FinancialWellbeing #BudgetPlanning #SmartSpending

Pennysmart CIC @pennysmartcic.bsky.social · 14d

💬 When someone dies, what happens to their debt?
A helpful piece from The Independent outlines what families need to know - and how to avoid added stress during grief.
📖 Read more: www.independent.co.uk/money/dealin...

#DebtAdvice #BereavementSupport #PennySmartCIC

Pennysmart CIC @pennysmartcic.bsky.social · 17d

What our referral partners say about us:
"They do what they say they will do and do it effectively and efficiently whilst understanding the needs of the clients." RCS Wales

#FeelGoodFriday #Feedback #moneyadvice #referrals

Pennysmart CIC @pennysmartcic.bsky.social · 18d

📝 One simple habit: writing down every purchase.
It helped one person curb mindless spending and take back control. A great tip to share with clients!

📎 Read more www.theguardian.com/lifeandstyle...

#PennySmartCIC #MoneyMindfulness #ReferralPartners #BudgetTips

1

Pennysmart CIC @pennysmartcic.bsky.social · 19d

Looking after your mental health as we approach autumn
Here are some ways by @mhealthuk.bsky.social to care for yourself this autumn.
More tips 👉 mentalhealth-uk.org/autumn

#WellbeingWednesday #MentalHealth #wellbeing

1

Pennysmart CIC @pennysmartcic.bsky.social · 20d

💬 Helping clients take control of their money in 2025?
This quick read from MoneyMagpie offers smart, practical tips - from budgeting to boosting income.
📎 Read more: www.moneymagpie.com/manage-your-...
#PennySmartCIC #ClientSupport #MoneyTips #ReferralPartners

Pennysmart CIC @pennysmartcic.bsky.social · 21d

🎓📺 Students may need a TV Licence - even on phones or laptops.
🏢 In halls? Licence needed for your room.
🏠 Separate tenancies? Each needs 1.
🏡 Joint tenancy? 1 covers all.
Let’s help students stay informed.

www.youtube.com/watch?v=RHLE...

#StudentSupport #TVLicence

Students and the TV Licence

Whether you’re a university student, a parent or you provide student accommodation, find out when a TV Licence is needed and how much it costs. Love Live TV? You need a TV Licence. To find out when…

www.youtube.com

Pennysmart CIC @pennysmartcic.bsky.social · 24d

Think you could handle a child's maths homework? 🤔
Put your skills to the test with this fun quiz - & discover how brushing up on basic maths could actually help you manage your money better! 💡

👉 Take the test now www.msn.com/en-in/lifest...

#MoneySkills #MathsChallenge

MSN

One in three adults say they don't have enough basic maths knowledge to help a child with their homework - and their finances could be suffering as a result.

www.msn.com

Pennysmart CIC @pennysmartcic.bsky.social · 25d

Born between 1 Sept 2002 & 2 Jan 2011? You might have money waiting in a Child Trust Fund - average claim is £2,200!
It’s free & easy to check on:
👉 www.gov.uk/child-trust-...
👉 www.gov.wales/find-your-ch...
Don’t let it go to waste - check today!

#ChildTrustFunds #MoneyAdvice

Pennysmart CIC @pennysmartcic.bsky.social · 26d

Scammers are targeting TV Licensing customers
Stay alert & know how to report your scam:
✉️ Postal scam ➡️ Complete a scam mail report & send it to ‘Freepost Scam Mail’
💻 Scam email ➡️ Forward to [email protected]
📱 Scam text ➡️ Forward to 7726
#TVLicensing #Scam

Pennysmart CIC @pennysmartcic.bsky.social · 27d

🚨 October Tax Deadlines Alert!
If you earn untaxed income (self-employed, rental, side hustle), register with HMRC by 5th Oct & file paper returns by 31st Oct to avoid penalties.
Read mire here - www.linkedin.com/feed/update/...

#SelfAssessment #TaxDeadline #FinancialWellbeing

Pennysmart CIC @pennysmartcic.bsky.social · 28d

More retirees are facing debt in later life - 26% now carry unsecured borrowing. A stark reminder that retirement security isn’t just about savings, but planning for the real costs of ageing.
moneyweek.com/personal-fin...
#MoneyMonday #Retirement #DebtAwareness #FinancialResilience

How to achieve a secure retirement, as more retirees admit to struggling with debt

Twenty-six percent of retirees now have unsecured debt – a sharp rise compared to two years ago – with many underestimating how much a typical retirement costs

moneyweek.com

Pennysmart CIC @pennysmartcic.bsky.social · Sep 19

💸7 million households.
That’s how many are missing out on vital benefits & support they’re entitled to.
We see this every day - confusing systems, digital barriers & stigma keep people from the help they need.
📎 www.bbc.co.uk/news/articles/c5yv0e9yjexo
#BenefitsAwareness #FinancialInclusion

Pennysmart CIC @pennysmartcic.bsky.social · Sep 18

Disabled entrepreneur Josh Wintersgill built a thriving business with support from Access to Work. Now, cuts to his grant threaten everything. At PS CIC, we’ve seen how schemes like this can unlock potential & drive innovation.
www.bbc.co.uk/news/article...

#DisabilityRights

Pennysmart CIC @pennysmartcic.bsky.social · Sep 17

Thousands freed from payday loan debt after firm collapses. A rare relief - but it shouldn’t take a company going bust to escape unfair lending.
Scammers are already reported to be posing as the firm to prey on those looking for support.
metro.co.uk/2025/08/22/u...
#DebtJustice