Managing money and avoiding debt

Find out about help available with managing your money, including grants

Speak to your personal adviser for help managing your money. We will support you with:

  • making a budget
  • money management advice
  • opening a bank account and give you advice on savings
  • accessing your Junior ISA or Child Trust Fund, if you have one (a fund of money set aside by the government and the council)
  • setting up home allowance of up to £3000 
  • accessing food banks

If you have been in care for 1 year or more, you can access the Stepladder of Achievement programme. This includes money management courses, and the chance to earn up to £750 before you turn 18 years of age.

Free courses to help with managing money

Essex residents aged 19 and over can access maths courses through a scheme called Multiply. This includes free taster sessions, courses and formal qualifications in maths.

Find out more about Multiply courses on the Essex Opportunities website

How to budget

Watch a video on how to budget for beginners from the Money to the Masses YouTube channel:

Money management when you are neurodivergent

Find money management tips for neurodivergent people on the Unmasked website

Further support

You can also get help from: