Pennysmart CIC

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

04/09/2026

🍎 Need a little extra help with food costs? There may be more support available than you realise.

Many people think food banks are the only option when money is tight, but there are other ways to access free or low-cost food without needing a referral or proving financial hardship. Recent reporting highlights several sources of support, including free supermarket breakfasts, community fridges, holiday food programmes, and surplus food schemes.

✅ Places to check include: • Community fridges offering surplus food that would otherwise go to waste
• Free breakfast schemes in some supermarkets
• Holiday activity programmes that provide meals for children
• Community food projects and social supermarkets
• Local council support and food initiatives

If you're a referral partner, please help spread the word. If you're worried about food costs, don't struggle alone. There may be support available in your local area that can help stretch your budget and reduce food waste at the same time.

For more information, read the article here: https://buff.ly/Y7oHEnG

🎒📚 Back-to-school costs can put real pressure on family budgets, but new measures could help families save up to £1,200 ...
03/09/2026

🎒📚 Back-to-school costs can put real pressure on family budgets, but new measures could help families save up to £1,200 a year. Reports suggest support including free breakfast clubs and action to reduce school uniform costs, helping to ease some of the financial strain many households face.

At PennySmart CIC, we know that the start of a new school year can be an expensive time. If you or someone you support is worried about the cost of uniforms, school meals, household bills or other essential expenses, help may be available.

✅ Check what benefits and support you may be entitled to
✅ Ask your local authority about help with school uniforms and school costs
✅ Seek free, independent money advice if you're struggling to make ends meet

Referral partners: Please share this information with the families and individuals you support.

https://www.mirror.co.uk/news/politics/schools-uniform-meals-breakfast-powell-37610738

Together, we can help ensure that no one misses out on the support they’re entitled to.

🎒 Back-to-school season is here!Thinking back to your school days, what's one thing you wish you'd learned about money b...
02/09/2026

🎒 Back-to-school season is here!

Thinking back to your school days, what's one thing you wish you'd learned about money before becoming an adult?

💷 Budgeting? 🏠 Rent and bills? 💳 Credit scores? 💰 Saving for emergencies? 📈 Investing? 📱 Spotting scams?

Share your answer in the comments ⬇️

Your experience might help someone else prepare for the future.

Working with people struggling financially in ?Refer them to PennySmart CIC for FREE expert money, debt and benefit adv...
01/09/2026

Working with people struggling financially in ?

Refer them to PennySmart CIC for FREE expert money, debt and benefit advice.

📧 [email protected]
☎️ 01244 651210
📱 WhatsApp/Text: 07934 901186

Feedback from one of our clients:"Thank you Jayne. Nothing was too much help for her, and she made me feel validated and...
28/08/2026

Feedback from one of our clients:
"Thank you Jayne. Nothing was too much help for her, and she made me feel validated and somewhat normal."

As thousands of young people prepare to start university, many will be managing money on their own for the first time. F...
27/08/2026

As thousands of young people prepare to start university, many will be managing money on their own for the first time. From budgeting and understanding student loans to avoiding unnecessary debt, building good financial habits early can make a huge difference. 🎓💷

This article highlights six key money lessons parents can share before their teens head off to study, helping them feel more confident and financially prepared.

➡️ Read more: https://www.independent.co.uk/money/rpi-loans-monzo-klarna-topcashback-b3033005.html

Wellbeing Wednesday: Quick Tips for Workplace WellbeingLooking after your wellbeing at work isn't just about managing yo...
26/08/2026

Wellbeing Wednesday: Quick Tips for Workplace Wellbeing

Looking after your wellbeing at work isn't just about managing your workload. Taking care of your finances can help reduce stress too.

✅ Take regular breaks
Step away from your desk, stretch, take a walk, or grab a drink. Even a few minutes can help reset your focus.

✅ Build positive connections
A quick chat with a colleague can boost morale and help you feel more supported.

✅ Prioritise one task at a time
Multi-tasking can increase stress. Focus on what's most important and tackle tasks in manageable steps.

✅ Set healthy boundaries
Try to switch off at the end of the working day. Work-life balance matters.

✅ Check in with your finances
Money worries can affect your wellbeing. Spending a few minutes each week reviewing your budget can help you feel more in control.

✅ Know where to get support
Whether you're struggling with stress, debt, or rising costs, reaching out for help early can make a big difference.

✅ Celebrate small wins
Finished a project? Stayed within budget this week? Paid off a debt? Acknowledge your progress.

Taking care of your wellbeing means looking after both your mental health and your financial health. 💙

For many people, the summer holidays can leave finances feeling a little stretched. Extra spending on holidays, days out...
25/08/2026

For many people, the summer holidays can leave finances feeling a little stretched. Extra spending on holidays, days out and family activities can quickly add up, making this the perfect time for a financial reset.

This helpful article shares practical tips on getting back on track, including tackling high-interest debt, rebuilding emergency savings, reviewing spending habits and resetting your budget for the months ahead. These are conversations that can make a real difference for many of the people we support.

➡️ Read more: https://buff.ly/fadsVAV

Are young adults today better or worse off than previous generations?New research from the Institute for Fiscal Studies ...
24/08/2026

Are young adults today better or worse off than previous generations?

New research from the Institute for Fiscal Studies explores how earnings, employment and housing have changed for young adults across generations.

The findings suggest that while today's 25-year-olds are not earning less than previous generations on average, they have experienced little or no income growth compared with those who came before them. The research also highlights lower employment rates among some younger adults and ongoing challenges around housing affordability, with more young people living with their parents for longer.

For organisations supporting individuals and families facing financial pressures, these insights provide important context about the economic challenges many young adults continue to face.

Read the full analysis here: https://buff.ly/0MBuYEw

What are you seeing in your work with young people and families?

💡 Budgeting doesn't have to be complicated.Many people know they should have a budget, but getting started, and sticking...
21/08/2026

💡 Budgeting doesn't have to be complicated.

Many people know they should have a budget, but getting started, and sticking with it, can be the hardest part.

The latest Cash Chats podcast from Be Clever With Your Cash explores: ✅ Different budgeting methods
✅ How to create a budget that works for you
✅ Practical tips to stay on track and build better money habits

For referral partners, budgeting support can help clients feel more in control of their finances and reduce financial stress. For clients and service users, even small changes can make a big difference over time.

🎧 Listen here: https://becleverwithyourcash.com/cash-chats-526/

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

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

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+441244651210

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