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Budgeting and money advice

If you are concerned about your finances there is a range of help and advice available:

What we can do

Our Money Advice Team can offer the following free services to council tenants:

  • Personal budget support along with financial health checks
  • Assist with benefit claims
  • Assist with universal credit
  • Benefit health checks
  • Debt advice and referrals to the Citizens Advice Bureau
  • Food bank vouchers
  • Applications for funding (i.e. white goods/utilities)

Book an appointment

To book and appointment please email rentandmoneyadvice@westlancs.gov.uk. A money advice officer will contact you to arrange an appointment within 5 working days, either at your home or at one of our Customer Service Points.

Alternatively, we offer an appointment service for Council tenants at our Customer Service Point at the Concourse on a Wednesday and Friday, 10.00am - 1.00pm.

Other help available

Dealing with debt

Regardless of how much debt you have, there are many ways to get help. There are several agencies that can assist with debt issues. Some of these are listed below:

Priority and non-priority debts

Debts can be classed as either priority or non-priority. This means that priority debts - such as your rent and council tax arrears - can result in you losing your home or belongings. Non priority debts - such as catalogues and credit cards - can negatively affect your credit file. 

Below is an example of  the main priorities when managing your budget:

  • rent arrears
  • Council tax
  • Gas/electricity/water
  • Court fines
  • TV licence

Options available if you are struggling with debt: 


Knowsley Credit Union adopts a sensible lending policy. Visit the Knowsley Mutual CU (external link) for more information or call 0151 545 3380 to make an appointment. 

Loan sharks

Don’t suffer in silence. Report a loan shark problem and get help: