Budgeting and Debt

There are a number of organisations that can help you with budgeting and debt:

Department for Work & Pensions

Short term advances: Provides an advance of claimants future benefit award. Any payment of short term advance will be recoverable from future benefit payments.

Referral info: none


 0845 6888590

Calderdale Youth Services

Advice only, no grant funding: Council funded, provides 1-1 advice and includes debt counselling and money management for 12-26 year olds.

Referral info: none

 Julia Brannigan

 01422 320 033

CMBC – Children’s Centres

Budgeting advice: Money management support provided by Job Centre Plus from children’s centres.

Referral info: by CMBC Family Support Team Worker

 Amanda Cryer

 01422 373 133

National Helplines

Step Change

Formerly the Consumer Credit Counselling Service. Advice on debt management including; Debt Management Plans, Individual Voluntary Arrangements, Debt Relief Orders, Bankruptcy and Equity Release.

Referral info: none


 0800 138 1111

The Money Advice Service

Independent service, set up by government to help people make the most of their money. Gives free, unbiased money advice to everyone across the UK – online, over the phone and face to face, including budget planning and redundancy advice.

Referral info: none


 0300 500 5000

National Debtline

The helpline that provides free confidential and independent advice on how to deal with debt problems.

Referral info: none


 0808 808 4000

Local Organisations

Calderdale Citizens Advice Bureau

Free, impartial information covering benefits, consumer, debt and money, housing, tax, work and other issues.

Referral info: none


 01422 842 848

See also: Adviceguide.org.uk

Calderdale Credit Union

Offers responsible lending and money advice.

Referral info: none

 13 Northgate, Halifax, HX1 1UR

 01422 393 106

Mixenden Parents’ Resource Centre

Offers benefits advice, debt counselling, money management and basic skills training.

Referral info: none

 Elizabeth Childs

 01422 240 043

Noah’s Ark Centre

Offers non-judgmental counselling, debt advice and support at every stage of life.

Referral info: North Halifax Only

 322 – 326 Ovenden Road, Ovenden, Halifax, HX3 5TJ

 01422 364 664