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

💒 Wedding season is here… but it doesn’t have to break the bankWith more summer weddings coming up, many people are feel...
09/06/2026

💒 Wedding season is here… but it doesn’t have to break the bank
With more summer weddings coming up, many people are feeling the pressure to buy a new outfit for every occasion.

This article shares some helpful tips on how to keep costs down while still looking the part 👉 https://www.mirror.co.uk/money/how-find-budget-wedding-outfit-35277768
How to find a budget wedding outfit and save money this summer
💡 Some simple ideas to share with clients include:
• Rewearing or restyling outfits you already own
• Shopping high street or second-hand options
• Borrowing or renting outfits for one-off events
• Focusing on accessories to refresh a look

Affordable options are widely available, and it’s possible to look great without overspending.
For many households, wedding invites can quickly add up - so small savings like these can really help.

Do you work with households facing financial hardship?Get Free expert money, debt and benefit advice.Supporting anyone t...
08/06/2026

Do you work with households facing financial hardship?
Get Free expert money, debt and benefit advice.
Supporting anyone that lives in Cheshire West?

Email: [email protected]
Tel: 01244 651210
Text/Whatsapp: 07934901186

Struggling with tax issues? You’re not alone – and support is available.TaxAid is a UK charity offering free, confidenti...
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/

Do you support households facing financial hardship?At PennySmart CIC, we offer free, expert advice on:💷 Money managemen...
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.

📢 Big changes to workers’ rights – what does this mean for your money?The new Employment Rights Act has been described a...
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 💬

A new review into access to face‑to‑face banking in the UK has been welcomed by MoneySavingExpert founder Martin Lewis, ...
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/

📢 New research highlights a strong case for simplifying council tax supportA new report from the Institute for Fiscal St...
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.

You can’t solve everything – and that’s okay.When supporting people with money worries, it’s important to know your boun...
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.

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

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