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Winter 2017

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Christmas 2016

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Spring 2016

OTHER Useful downloads and links

Your Appointment

What to bring to your appointment 
A list of the documents you'll need to bring with you to your appointment

Client Agreement
A downloadable copy of the agreement we ask you to sign when becoming one of our clients


Budgeting and Money Advice

Which Path?  
A simple guide to the options for dealing with your debt

Piggy Banking
Simple guide to budgeting and managing your spending better

Money Course Paper Budget Builder
A downloadable paper version of the Money Course Budget Builder to help you plan your spending

Money Course Online Budget Builder
Create and save your own budget online

One-week Spending Tracker
A simple sheet for you to print and use to record all your spending in a week – a useful exercise to work out how much money you spend, sometimes without realising it

The Money Charity
A useful resource for general money advice and statistics

The Money Advice Service
Free and impartial money advice


Money Saving

Comparison of utility and other bills

Energy Saving Trust  
Options for reducing your energy bills  | GoCompare  |  Money Supermarket  
Comparison sites for a whole range of financial services product

Money Facts    
Comparison of banking and savings

Money Saving Expert      
A brilliant site with money saving tips and guidance

Top Cash Back         
Get cash back on your internet purchases


Benefit Advice

A great site with helpful information about benefits and a useful self assessment tool

Tax Credit Calculator 
The HMRC has a useful online tax credit calculator and online application


Help with Debts

National Debtline fact sheets
Access to a library of advice on debt and money topics including rent arrears, bailiffs, court judgement and parking penalties

Insolvency Service Publications  
Official information on bankruptcy, debt relief orders and IVAs

Step Change 
A free online and telephone debt advice service

Community Money Advice 
Find a free face to face money advice centre in your area


Resources for Churches

Hold a Money Talk 
Facilitate a Money Talk with your congregation to explore money issues faced by your community and think about your church's response

Seeing Change course 
Explore how your church can get involved in a very practical way supporting those in financial difficulty with this short Bible series

Learn how to signpost people to advice 
Do you know what to do if someone in debt asks for your help? Find out, using this short video-based resource

Run a budgeting course
Use Crosslight's own Money Course resources to run money education courses or short workshops for those in your church or community who might be struggling

Open your own advice centre
Explore the option of opening a debt advice centre in your own church. If you are based in London or the South East, speak to us about partnering with Crosslight, or contact Community Money Advice and/or Christians Against Poverty about partnering with them