This Money Helper (Money & Pensions Service) ​​guide

This Money Helper (Money & Pensions Service) ​​guide is for you if you need access to credit but you can’t use a mainstream lender and you don’t want to use a payday loan or other forms of high-cost credit.

When you read it, you’ll know:

• how credit unions work and how they can help you
• how to join a credit union
• what other sources of fair and affordable credit might be available to you.​
• To view this guide please click HERE

More information can be found on the Money Helper website at https://www.moneyhelper.org.uk/en/everyday-money/credit

For the Service community, there are three MOD-endorsed credit unions - see https://www.joiningforcescu.co.uk/​

Military Mortgage Advice Webinars: November to Jan

 

Military Mortgage Advice Webinars: November to Jan

 

Link for website 

Are you eligible for Pension Credit?

It is estimated that up to 880,000 households are missing out on Pension Credit, and it is worth, on average, £3,900 per year, providing additional benefits such as help with Council Tax and Housing Benefit and a free TV licence for those over 75.

In addition to Pension Credit, those who qualify could also receive Winter Fuel Payment and other support like help with housing costs, help with Council Tax and a free TV licence for those aged 75 and over.

Thanks to the Pension Credit backdating rules, it is possible to apply for Pension Credit and have the claim backdated by up to 3 months, (ticking the backdating box on the claim form). 

This means that the latest date to apply and still qualify for Winter Fuel Payment is 21st December 2024.

To note, Pension Credit can also provide extra support for heating costs such as The Warm Home Discount Scheme and Cold Weather Payments​.

Checking entitlement is easy with this on-line calculator: Pension Credit calculator - GOV.UK (www.gov.uk)

Understanding Wills & Lasting Power of Attorney's

Want to gain a better understanding of setting up a Will and LPA? 

In this free webinar by the team at Serve and Protect Credit Union, we'll help you understand the importance of having a will in place which is vital to ensure that your money, property and possessions are distributed exactly how you wish after your death and that your loved ones are properly cared for. 

Also looking at setting up a Lasting Power of Attorney which allows you to appoint people you trust to make decisions about financial affairs and health and care, if you are unable to due to injury, accident or illness

We look forward to you joining us. Book your place today! 👇 completely free

Webinars - Serve & Protect (serveandprotectcu.co.uk

Serve & Protect Credit Union: free Sept Webinars and their latest Podcast

 📢 Free financial webinars this September from Serve and Protect - don't miss out!

🛒 Managing the Cost of Living

👤 Domestic Violence - The Financial Impact

✍️ Budgeting & Spending

📝 Understanding Wills and LPAs

🚀 Boost Your Credit Score

🔍 What Lenders Look For

🔗 Register: 

Episode 5 of the Smile and Save Podcast is here, brought to you by Serve and Protect’s Jon who shares learnings from his almost 37 years’ experience in the RAF. Discover some tips and things to think about when transitioning to civilian life 🎧 🔗 Watch here

Armed Forces Pension Awareness Week – Understand your pension, sessions, 9th to 13th Sept

 

Invest in your future – understand your pension.

Join Armed Forces Pension Awareness Week (AFPAW) sessions from 9 to 13 September.

New MOD Booklet: Benefits and Support for Reserve Families

Announcing the new booklet, Alistair Carns MP MC OBE, Defence Minister for Veterans and People, said: 

“Our Reserve Forces are an integral and valued part of the Armed Forces Community. Their hard work and dedication is essential to national security and enables us to be operationally effective no matter the situation. 

“It is essential that we support our people and their families as they navigate the challenges of service life. Whether it’s support with childcare, medical needs or financial advice– there’s a wide range of benefits and support in place to help our Reservists and their families. 

“Today, I’m delighted to share our new MOD booklet for the Reserve community, which signposts the help available, and how to access it. This will allow more of our community to live in a way that best suits their needs.”

Read the booklet here