At Smart Money Credit Union we aim to achieve the following:
- Encourage our members to save regularly
- Provide loans to our members at very low rates of interest
- Provide our members with help and support on managing their financial affairs (if required).
You can get good advice and support from your local Citizen’s Advice Bureau:
Caerphilly Citizen’s Advice Bureau
Park Lane
Caerphilly
CF83 1AA
Tel: 029 2088 2105
www.citizensadvice.org.uk
Bargoed Citizen’s Advice Bureau
41b Hanbury Road Bargoed
CF81 8QU
Tel: 01443 831112
Bleanau Gwent Citizen’s
High Street
Blaina
NP13 3AN
Tel: 08444 772020
Housing Debt Helpline Wales
Tel: 0800 107 1340
www.housing-debt-helpline-wales.org
You can also call the Financial Services Authority (FSA) Consumer Helpline on 0845 606 1234 for information about money management. Or visit the website at: www.moneymadeclear.fsa.gov.uk
The website has online tools which can help you manage your money better, including:
- a budget calculator to help you take stock of what money you have coming in and going out of your household
- a mortgage calculator to help you check what your repayments might be if interest rates change
- a debt test to help you see whether you are likely to have problems with borrowing in the near future.
There is also a guide, 'Making your budget work for you'. This has lots of really useful, practical tips about how to budget and how to save money.