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Monday 9am - 5pm Tuesday 9am - 5pm Wednesday 9am - 5pm Thursday 9am - 5pm Friday 9am - 5pm

Pennysmart CIC

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Pennysmart CIC

'Financial wellbeing is our business'. Free to client money, debt and benefits advice service. We are authorised and regulated by the FCA No 618817.

FCA Registration 618817

03/06/2026

Struggling with tax issues? You’re not alone – and support is available.
TaxAid is a UK charity offering free, confidential tax advice for people on low incomes who can’t afford professional help. They support individuals to understand their tax, deal with problems like unexpected bills or penalties, and make sure they’re only paying what they should.

👉 For referral partners: If you’re supporting clients with money, debt, or employment issues, TaxAid also provides free training and resources to help you spot tax problems early and signpost effectively.

👉 For clients/users: If tax worries are affecting your finances or wellbeing, you can get practical support and peace of mind.
Find out more, access support, or explore training opportunities here: 🔗 https://taxaid.org.uk/

02/06/2026

Do you support households facing financial hardship?

At PennySmart CIC, we offer free, expert advice on:
💷 Money management
💳 Debt support
📋 Benefits guidance
We’re here to help anyone living in Cheshire East get the support they deserve.

📧 [email protected]
📞 01244 651210
📱 Text/WhatsApp: 07934 901186
👉 If you’re a referral partner, please share our details with the people you support.

01/06/2026

📢 Big changes to workers’ rights – what does this mean for your money?
The new Employment Rights Act has been described as the biggest upgrade to workers’ rights in a generation. But what does that actually mean day to day?

In simple terms, these changes aim to give people:
✅ More secure work (including better protections around zero-hours contracts)
✅ Improved sick pay and family leave rights from day one
✅ Stronger protection against unfair dismissal
✅ More predictable income and working hours
All of this can have a real impact on financial wellbeing – helping people plan ahead, manage bills, and feel more secure in their income.

👉 Find out more here: https://www.bbc.co.uk/programmes/m002tpsd
If you’re working with clients who are unsure how these changes could affect them, it could be worth starting a conversation 💬

29/05/2026

A new review into access to face‑to‑face banking in the UK has been welcomed by MoneySavingExpert founder Martin Lewis, who has stressed the importance of protecting in-person services for those who need them most.
With bank branch closures continuing across the country, the review will look at the real impact on communities – particularly older people, vulnerable households, and those who may struggle with digital banking.
Being able to speak to someone in person helps many people stay in control of their finances and access essential services.
This review is an important step in understanding where gaps exist and ensuring no one is left behind as banking continues to change.
Read more: https://www.moneysavingexpert.com/news/2026/05/bank-branch-access-review/

28/05/2026

📢 New research highlights a strong case for simplifying council tax support
A new report from the Institute for Fiscal Studies is calling for Council Tax Support to be brought into Universal Credit – and it could make a real difference for low-income households. Right now, support is designed and delivered differently across each area.

This means:
People can face different rules and levels of help depending on where they live
The system can be confusing and harder to navigate
Some people may be worse off if their earnings go up due to how support is reduced

While council tax support is a smaller benefit overall, it still plays a vital role – providing over £500 a year on average for the lowest-income households
The report suggests that bringing it into Universal Credit could:
✅ Simplify the system
✅ Make support clearer and more consistent
✅ Improve work incentives
✅ Reduce admin costs for councils
👉 Read more: https://buff.ly/8Y7jNDk
For referral partners, this is an important conversation about how systems can better support the people we work with every day.

27/05/2026

You can’t solve everything – and that’s okay.
When supporting people with money worries, it’s important to know your boundaries. Offering money guidance is incredibly valuable – but it’s not the same as providing regulated financial or debt advice.

Knowing the difference helps you:
✅ Give the right level of support
✅ Signpost people safely to expert help
✅ Protect your own wellbeing
Advice on financial products or debt solutions should always come from FCA-regulated professionals.
👉 Watch this short video from the Money & Pensions Service Money Guiders Network to understand the difference:
https://youtu.be/OAxBL5mUsL4?si=J2HTfDmPkLuYFj80

Supporting others starts with looking after yourself too.

26/05/2026

Do you work with households facing financial hardship?
Get Free expert money, debt and benefit advice.
Supporting anyone that lives in Cheshire East?
Email: [email protected]
Tel: 01244 651210
Text/Whatsapp: 07934901186

25/05/2026

☀️ May Bank Holiday & half-term don’t have to cost a fortune
With the school holidays here, many families are looking for ways to keep children busy without overspending. The good news? There are plenty of low-cost and free activities to enjoy together.

Here are some ideas to share with your clients/users:

💚 Get outdoors
• Visit a local park, beach or woodland walk
• Pack a picnic instead of buying food out
• Try a nature scavenger hunt or bike ride

📚 Make the most of free places
• Libraries often run free activities
• Museums and galleries across the UK are free to enter
• Community events and local trails can be great options

🎨 Keep it simple at home
• Crafts, baking or movie afternoons
• Garden games or “screen-free” days
• Rotate toys or plan a simple daily activity
🏡 Top tip: Plan one main activity per day to keep things fun without feeling pressured to spend 💡

Spending quality time together doesn’t need to be expensive - and these small moments can make a big difference to family wellbeing ❤️

22/05/2026

What our referral partners say about us:
"This service is needed more than ever before. With cost of living going up, low income households need help with budgeting, maximising income and reducing outgoings, checking entitlements and claim what they are eligible for." - Clarion Housing

21/05/2026

💡 Teaching children about money starts earlier than you might think
From opening a savings account at birth to learning spending habits at school age, building money skills over time can help children feel more confident with finances as they grow.

Simple steps can make a big difference:
👶 Start early – even small savings can build over time
🛒 Ages 3–5 – learn the basics through play (like “shopping” games)
💷 Ages 6+ – introduce pocket money and choices about spending
Starting small and keeping conversations open can help children develop healthy money habits for life.

👉 Read more: https://buff.ly/fHyrdBN

Address

Unit 59-60, The Business Centre, Minerva Avenue, Sovereign Way
Chester
CH14QL

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Telephone

+441244651210

Website

https://www.pennysmart.org.uk/

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