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What we do
We are here to help financially and socially disadvantaged people. Our services include budgeting, money courses, advice and access to a bank account and interest free money advances. We give our resources to low income and struggling families in order for them to take back control of their finances, to tackle their own Poverty Premium and to help them to level their playing field.
God's concern with handling money is highlighted with over 2,500 references in the bible and we share his concerns too.
We reduce the presence of money problems in peoples lives, shrinking the absorption of worry that robs others of their peace, repairing damaged and strained relationships and improving health issues.
We operate a responsible lending policy and people are reviewed on an individual basis and assessed against their willingness and capacity to repay the money advance. Those that are unemployed or with poor credit history will not automatically be excluded.
God's concern with handling money is highlighted with over 2,500 references in the bible and we share his concerns too.
We reduce the presence of money problems in peoples lives, shrinking the absorption of worry that robs others of their peace, repairing damaged and strained relationships and improving health issues.
We operate a responsible lending policy and people are reviewed on an individual basis and assessed against their willingness and capacity to repay the money advance. Those that are unemployed or with poor credit history will not automatically be excluded.
Our introductions are pleasant and friendly. The process:
1.Referral 2.Home visit 3.Assessment 4.Outcome
1.Referral 2.Home visit 3.Assessment 4.Outcome
1. Referral
Working closely with local food banks, churches and other charities we are able to identify those immediately in need, often people experiencing what can be referred to as a "life shock." Be it someone thrown into a crisis when a husband leaves the family home through to an unexpected bill or redundancy, an illness or a benefit mix-up or delay.
We hope to be able to cushion the family finances and bring a welcomed space to breathe.
2. Home visit
We arrange home visit appointments where we get the joy of meeting you personally in your own homes. There is something very powerful when the same person continually visits the same person, it's called a relationship and that relationship is the foundation that we build upon. We have been known to bring carrot cake along with us too.
We get to discuss what is going on in your lives, your relationship with money, how you feel about the state of your affairs at the present time and what it is that you could hope to achieve through an ongoing relationship with us.
3. Assessment
We are then in a position to see where we can be of help to you and how our resources can be best put to use.
We set aside time to build your budget. Our budget sheet calculates everything for you and makes it easy to make any changes to the budget. Paper versions are available where you can do the calculations.
Everything becomes clear once you have written it all down. It is only at this point that the puzzle begins to take shape and reveals the full picture. We can then begin to see where possible changes and savings can be made.
We look closely at your current situation to see if or where our resources can be used to improve your financial situation.
4. Outcome/home visit
We arrange a home visit with you to discuss the outcome of the assessment of your personal situation and if appropriate and responsible, help you with a loan or with other resources that we have. You will also be encouraged to attend one of our money courses that are available free of charge.
Working closely with local food banks, churches and other charities we are able to identify those immediately in need, often people experiencing what can be referred to as a "life shock." Be it someone thrown into a crisis when a husband leaves the family home through to an unexpected bill or redundancy, an illness or a benefit mix-up or delay.
We hope to be able to cushion the family finances and bring a welcomed space to breathe.
2. Home visit
We arrange home visit appointments where we get the joy of meeting you personally in your own homes. There is something very powerful when the same person continually visits the same person, it's called a relationship and that relationship is the foundation that we build upon. We have been known to bring carrot cake along with us too.
We get to discuss what is going on in your lives, your relationship with money, how you feel about the state of your affairs at the present time and what it is that you could hope to achieve through an ongoing relationship with us.
3. Assessment
We are then in a position to see where we can be of help to you and how our resources can be best put to use.
We set aside time to build your budget. Our budget sheet calculates everything for you and makes it easy to make any changes to the budget. Paper versions are available where you can do the calculations.
Everything becomes clear once you have written it all down. It is only at this point that the puzzle begins to take shape and reveals the full picture. We can then begin to see where possible changes and savings can be made.
We look closely at your current situation to see if or where our resources can be used to improve your financial situation.
4. Outcome/home visit
We arrange a home visit with you to discuss the outcome of the assessment of your personal situation and if appropriate and responsible, help you with a loan or with other resources that we have. You will also be encouraged to attend one of our money courses that are available free of charge.
"The rich rules over the poor, and the borrower is slave to the lender" - Proverbs 22:7 NIV
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