Money advice

money advice - saving money

In the last year we've raised over £500,000 for our customers on benefits they were entitled to but not claiming.

Our money advice team offer free and confidential advice on all money-related matters. They can help you to budget, save money, reschedule debts and apply for correct benefits.

Money advice - debt

If you've fallen into debt, you don't have to cope on your own. Our team is on hand to help you get your finances under control.

Our partnership with Stop Loan Sharks has helped to raise awareness and offer support to those who have been affected in our communities. We can also help you to find the right solution for you and your money issues. 

Money advice - drop-ins

We hold a number of drop-in sessions in Newcastle-under-Lyme where you can have a chat with advisors or arrange a visit.

Whether you're having trouble with rent arrears or would like some tips on saving money, you can see us anytime. Our team can also point you in the right direction with useful websites and guides to help improve your finances.

Find a list of all of our drop-in sessions in our Events calendar.

People working with money - Universal Credit

The benefits available for working age claimants are changing. Universal Credit is a new single benefit being introduced in phases throughout 2018.

UC replaces several existing benefits and it works differently to the existing benefit system so it’s important you know what’s new.  We’ll help and support you through the transition to Universal Credit.  Find out more about what it is and how it may affect you and speak to one of our expert Money Advisors on 01782 635200 or meet an Advisor at one of our weekly drop-in sessions, listed in our Events calendar.

Case studies

Getting finance fit

Getting finance fit

For many people saving for Christmas is just not an option because their finances are a constant struggle.

Nigel Davies and Zara Durber know that feeling all too well.

Nigel, aged 51, said: “We haven’t even thought about Christmas. Managing our money is always tough and every little bit helps.”

The couple are just about managing to make ends meet, but when Zara had her benefits cut things got more serious.

Nigel and Zara went along to a money advice drop-in session in Silverdale where they were thrilled to discover they are eligible for a £140 fuel discount.

Aspire Housing’s money advice team also helped them apply for Severn Trent’s Big Difference Scheme, which will save them hundreds of pounds.

Case study - how MAT made me smile

How MAT made me smile again

The day I walked through the doors of the Money Advice Team (MAT) at Aspire Housing was the day my life changed for the better.

In the weeks and months before, my life had been falling apart. My ex-partner had become physically abusive, and two of my three children had been removed. I worked 12 hours a week on a zero hours contract and was also receiving tax credits, housing benefit and child benefit, however, I wasn’t making ends meet.

Looking at my under-occupancy housing situation, MAT referred me for tenancy support and helped me register onto HomesHunt and HomesDirect to get me into more suitable accommodation.

They applied for a Debt Relief Order grant from the Heinz, Anna and Carol Kroch Foundation charity and applied to Seven Trent’s Big Difference Scheme to reduce my water bills going forward.

I had MAT to talk to and share my problems with and even better that they were helping me take so many positive steps to improving my situation.

Frequently asked questions


Money advice

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  1. How can I pay my rent?

    Paying your rent should be a priority.

    If you miss any payments on your rent account this is known as being in arrears. It is important that any rent arrears are not ignored as they can build up to a large amount and become very difficult to pay off.

    Direct Debit

    This is the most convenient way to pay your rent on a regular basis through your bank account. Setting up a Direct Debit is quick and easy. Simply login to My account to set one up online. 

    If you have a bank account but are unable to pay by Direct Debit it may be possible to pay on a regular basis by standing order. Please discuss this option with us. Direct debits are available weekly on Mondays or monthly on the 1st, 8th, 15th and 25th of the month.

    Paying by Cheque

    Ideally the best way to pay your rent is to set up a direct debit, however if you'd prefer to pay by cheque please make them payable to Aspire Housing Limited. Unfortunately if they're not, our bank won't accept them and you may end up in arrears on your rent account.

    Online through My account

    You can pay by debit/credit card through My account. Simply login and choose make a payment.

    1. Money Advice
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  2. Can I get help with paying my rent?

    Yes - if you are having difficulities in paying your rent, simply login to My account and send us a message. A member of our Money Advice team will be in touch with you. You can also seek advice from:

    Login to My account

    1. Money Advice
    2. Tenancy Services
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  3. Why should I pay by Direct Debit?

    Direct Debit is a really easy, practical and safe way to pay your rent:

    • Payments are made automatically and securely, so your rent is never forgotten, lost in the post, or delayed
    • It helps with budget planning as you know exactly how much is being paid and on what date
    • It's simple to set up

    Simply login and contact us through My account for more information. Alternatively you can create an account

    1. Money Advice
    2. Tenancy Services
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  4. What is Universal Credit?

    Universal Credit (UC) is a single benefit that replaces the following:

    • Income-based Jobseekers Allowance
    • Income-based Employment and Support Allowance
    • Income Support
    • Working Tax Credits
    • Child Tax Credits
    • Housing Benefit

    With Universal Credit, the Government wants to encourage more people into work and earning more money so there will be fewer people in the UK living in poverty. The Government has tried to make the system simple to help people understand what they are entitled to and make the claiming process easier. Find out more about UC here:

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  5. What is my rent balance?

    Your rent balance can be viewed through My account. Simply create an account, login and click on 'My rent'. If you are logged in already click here

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