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.

Claiming benefits is confusing, people don’t know if they are entitled or not. If you come and see us we can advise you on whether you would be entitled to claim benefits, we can do what is called a better off calculation to see if you should change/claim welfare benefits.


Find out more

Aspire Housing Debt Advice

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 specialist team are training to tackle debt, we can redress the balance so that you are back in control. We have a list of options that we can share with you to help you get back into credit. We can help you to find the right solution for you and your money issues.

Need help budgeting? Ever considered how you can save more money? Speak to one of our advisors who will help you to change utility suppliers, change phone suppliers, apply for grants and get better banking providers.

Money advice - drop-ins

Have a chat with one of our advisors

We usually host a range of drop-in sessions, but due to Covid-19 guidance, we're hosting sessions virtually right now.

Every Monday 1 - 4pm and Friday 10am - 1pm, our money advice team host a live Q&A via Live Chat on our website. If you can't make it and you have a question about money advice email us or text us on 07887 753083.

Not an Aspire Housing customer? We can still offer you money advice. If you have children under 19, you live in Newcastle-under-Lyme and need some help, speak to us and we'll offer you the money advice you need.

People working with money - Universal Credit

The benefits available for working age claimants have changed. Universal Credit is a new single benefit which has been introduced in phases over the past few years.

Universal Credit (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.

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. 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:

    1. Money Advice
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  4. 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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  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

    1. Money Advice
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