Pennysmart CIC
@pennysmartcic.bsky.social
'Financial wellbeing is our business'.
Free to client money, debt and benefits advice service.
We are authorised and regulated by the FCA No 618817.
Free to client money, debt and benefits advice service.
We are authorised and regulated by the FCA No 618817.
Feedback from one of our clients:
"Your agents were brilliant so patient and knowledgeable, if I knew where to send you all a card I would, I am so grateful to you all. Thank you."
#FeelGoodFriday #Feedback #client #service #WhyWeDoWhatWeDo #moneyadvice
"Your agents were brilliant so patient and knowledgeable, if I knew where to send you all a card I would, I am so grateful to you all. Thank you."
#FeelGoodFriday #Feedback #client #service #WhyWeDoWhatWeDo #moneyadvice
November 14, 2025 at 12:01 PM
Feedback from one of our clients:
"Your agents were brilliant so patient and knowledgeable, if I knew where to send you all a card I would, I am so grateful to you all. Thank you."
#FeelGoodFriday #Feedback #client #service #WhyWeDoWhatWeDo #moneyadvice
"Your agents were brilliant so patient and knowledgeable, if I knew where to send you all a card I would, I am so grateful to you all. Thank you."
#FeelGoodFriday #Feedback #client #service #WhyWeDoWhatWeDo #moneyadvice
How do you know if someone is digitally included?
Introducing the Indicators of Digital Inclusion (IDIs) a consistent way to measure digital inclusion needs across the UK.
Find out how you can use them:
🔗 www.goodthingsfoundation.org/policy-and-r...
#DigitalInclusion #IDI #TechForGood
Introducing the Indicators of Digital Inclusion (IDIs) a consistent way to measure digital inclusion needs across the UK.
Find out how you can use them:
🔗 www.goodthingsfoundation.org/policy-and-r...
#DigitalInclusion #IDI #TechForGood
November 13, 2025 at 12:01 PM
How do you know if someone is digitally included?
Introducing the Indicators of Digital Inclusion (IDIs) a consistent way to measure digital inclusion needs across the UK.
Find out how you can use them:
🔗 www.goodthingsfoundation.org/policy-and-r...
#DigitalInclusion #IDI #TechForGood
Introducing the Indicators of Digital Inclusion (IDIs) a consistent way to measure digital inclusion needs across the UK.
Find out how you can use them:
🔗 www.goodthingsfoundation.org/policy-and-r...
#DigitalInclusion #IDI #TechForGood
📺 Confused about TV Licence rules? You're not alone.
A handy leaflet for advisers & housing professionals has been created. It covers:
✅ Who needs a licence
✅ Costs
✅ Student payment options
🔗 padlet.com/FWBNetwork/f...
#TVLicence #MoneyAdvice
A handy leaflet for advisers & housing professionals has been created. It covers:
✅ Who needs a licence
✅ Costs
✅ Student payment options
🔗 padlet.com/FWBNetwork/f...
#TVLicence #MoneyAdvice
November 12, 2025 at 12:03 PM
📺 Confused about TV Licence rules? You're not alone.
A handy leaflet for advisers & housing professionals has been created. It covers:
✅ Who needs a licence
✅ Costs
✅ Student payment options
🔗 padlet.com/FWBNetwork/f...
#TVLicence #MoneyAdvice
A handy leaflet for advisers & housing professionals has been created. It covers:
✅ Who needs a licence
✅ Costs
✅ Student payment options
🔗 padlet.com/FWBNetwork/f...
#TVLicence #MoneyAdvice
Lest We Forget
Remembrance Day - 11th November.
#WeWillRememberThem #armisticeday #LestWeForget #RemembranceDay
Remembrance Day - 11th November.
#WeWillRememberThem #armisticeday #LestWeForget #RemembranceDay
November 11, 2025 at 10:30 AM
Lest We Forget
Remembrance Day - 11th November.
#WeWillRememberThem #armisticeday #LestWeForget #RemembranceDay
Remembrance Day - 11th November.
#WeWillRememberThem #armisticeday #LestWeForget #RemembranceDay
How are people really feeling about their finances in 2025?
The #MoneyView2025 report reveals insights from 12,000+ UK adults on financial wellbeing, debt & resilience. At PS CIC we’re using this data to shape better support for those who need it most.
🔗 maps.org.uk/en/publicati...
The #MoneyView2025 report reveals insights from 12,000+ UK adults on financial wellbeing, debt & resilience. At PS CIC we’re using this data to shape better support for those who need it most.
🔗 maps.org.uk/en/publicati...
November 10, 2025 at 12:01 PM
How are people really feeling about their finances in 2025?
The #MoneyView2025 report reveals insights from 12,000+ UK adults on financial wellbeing, debt & resilience. At PS CIC we’re using this data to shape better support for those who need it most.
🔗 maps.org.uk/en/publicati...
The #MoneyView2025 report reveals insights from 12,000+ UK adults on financial wellbeing, debt & resilience. At PS CIC we’re using this data to shape better support for those who need it most.
🔗 maps.org.uk/en/publicati...
💬 Talking money doesn’t have to be hard. Our free Household Budget Calculator makes it easier to take control of your finances - one step at a time.
Try it today and #StartTheConversation 💡 #TalkMoney
padlet.com/FWBNetwork/f...
#TalkMoneyWeek #Budget
Try it today and #StartTheConversation 💡 #TalkMoney
padlet.com/FWBNetwork/f...
#TalkMoneyWeek #Budget
November 7, 2025 at 12:03 PM
💬 Talking money doesn’t have to be hard. Our free Household Budget Calculator makes it easier to take control of your finances - one step at a time.
Try it today and #StartTheConversation 💡 #TalkMoney
padlet.com/FWBNetwork/f...
#TalkMoneyWeek #Budget
Try it today and #StartTheConversation 💡 #TalkMoney
padlet.com/FWBNetwork/f...
#TalkMoneyWeek #Budget
Nearly half of young people who are now eligible (18 +) to access their savings haven’t done so, many are not aware they have a Child Trust Fund account.
Accounts were opened for almost 6 million children born in the UK
padlet.com/FWBNetwork/f...
#childtrustfund
Accounts were opened for almost 6 million children born in the UK
padlet.com/FWBNetwork/f...
#childtrustfund
November 6, 2025 at 12:02 PM
Nearly half of young people who are now eligible (18 +) to access their savings haven’t done so, many are not aware they have a Child Trust Fund account.
Accounts were opened for almost 6 million children born in the UK
padlet.com/FWBNetwork/f...
#childtrustfund
Accounts were opened for almost 6 million children born in the UK
padlet.com/FWBNetwork/f...
#childtrustfund
At PennySmart CIC, we know how tough it can be to #TalkMoney. If you're unsure how to begin, MoneyHelperUK offer practical tools to help you #StartTheConversation & support those you work with or friends & family. www.moneyhelper.org.uk/en/family-an...
#talkmoneyweek
#talkmoneyweek
November 5, 2025 at 12:01 PM
At PennySmart CIC, we know how tough it can be to #TalkMoney. If you're unsure how to begin, MoneyHelperUK offer practical tools to help you #StartTheConversation & support those you work with or friends & family. www.moneyhelper.org.uk/en/family-an...
#talkmoneyweek
#talkmoneyweek
£24 billion of support is unclaimed: new “Missing Out” report
In 2025/26 an estimated £24.1 billion in income related benefits & social tariffs will go unclaimed across Great Britain, according to a new report from @policyinpractice.bsky.social
buff.ly/Tm8HO4x
#support
In 2025/26 an estimated £24.1 billion in income related benefits & social tariffs will go unclaimed across Great Britain, according to a new report from @policyinpractice.bsky.social
buff.ly/Tm8HO4x
#support
November 4, 2025 at 12:01 PM
£24 billion of support is unclaimed: new “Missing Out” report
In 2025/26 an estimated £24.1 billion in income related benefits & social tariffs will go unclaimed across Great Britain, according to a new report from @policyinpractice.bsky.social
buff.ly/Tm8HO4x
#support
In 2025/26 an estimated £24.1 billion in income related benefits & social tariffs will go unclaimed across Great Britain, according to a new report from @policyinpractice.bsky.social
buff.ly/Tm8HO4x
#support
🚨 Over 1 million UK households are now behind on energy bills - triple the number from a decade ago.
Stagnant wages + soaring costs = impossible choices for families.
We need urgent action. No one should have to choose between heating & eating. ❄️🍽️
🔗 uk.finance.yahoo.com/news/energy-...
Stagnant wages + soaring costs = impossible choices for families.
We need urgent action. No one should have to choose between heating & eating. ❄️🍽️
🔗 uk.finance.yahoo.com/news/energy-...
November 3, 2025 at 12:01 PM
🚨 Over 1 million UK households are now behind on energy bills - triple the number from a decade ago.
Stagnant wages + soaring costs = impossible choices for families.
We need urgent action. No one should have to choose between heating & eating. ❄️🍽️
🔗 uk.finance.yahoo.com/news/energy-...
Stagnant wages + soaring costs = impossible choices for families.
We need urgent action. No one should have to choose between heating & eating. ❄️🍽️
🔗 uk.finance.yahoo.com/news/energy-...
🎃 Happy Halloween from PS! 👻
Wishing you a spooky, fun-filled day! While you enjoy the treats, don’t let financial tricks sneak up on you.
🕸 Tip: Set a budget for seasonal spending - to keep your finances from getting haunted later!
Have a fang-tastic Halloween! 🦇
Wishing you a spooky, fun-filled day! While you enjoy the treats, don’t let financial tricks sneak up on you.
🕸 Tip: Set a budget for seasonal spending - to keep your finances from getting haunted later!
Have a fang-tastic Halloween! 🦇
October 31, 2025 at 12:01 PM
🎃 Happy Halloween from PS! 👻
Wishing you a spooky, fun-filled day! While you enjoy the treats, don’t let financial tricks sneak up on you.
🕸 Tip: Set a budget for seasonal spending - to keep your finances from getting haunted later!
Have a fang-tastic Halloween! 🦇
Wishing you a spooky, fun-filled day! While you enjoy the treats, don’t let financial tricks sneak up on you.
🕸 Tip: Set a budget for seasonal spending - to keep your finances from getting haunted later!
Have a fang-tastic Halloween! 🦇
🚨 @slsengland.bsky.social is now on WhatsApp!
Need support or want to report illegal lending?
Message 📱 07700 102773 — quick, confidential & safe. Available Mon–Fri, 9am–5pm.
📞 24/7 helpline: 0300 555 2222
🌐 stoploansharks.co.uk
Let’s protect our communities. Please share 💬
Need support or want to report illegal lending?
Message 📱 07700 102773 — quick, confidential & safe. Available Mon–Fri, 9am–5pm.
📞 24/7 helpline: 0300 555 2222
🌐 stoploansharks.co.uk
Let’s protect our communities. Please share 💬
October 30, 2025 at 12:02 PM
🚨 @slsengland.bsky.social is now on WhatsApp!
Need support or want to report illegal lending?
Message 📱 07700 102773 — quick, confidential & safe. Available Mon–Fri, 9am–5pm.
📞 24/7 helpline: 0300 555 2222
🌐 stoploansharks.co.uk
Let’s protect our communities. Please share 💬
Need support or want to report illegal lending?
Message 📱 07700 102773 — quick, confidential & safe. Available Mon–Fri, 9am–5pm.
📞 24/7 helpline: 0300 555 2222
🌐 stoploansharks.co.uk
Let’s protect our communities. Please share 💬
💧 Water is a basic need — not a luxury.
We stand with @CAPuk, @MoneyAdviceOrg & @StepChange in calling for a national social tariff for water. It’s time for fair, consistent support for households struggling with bills.
👉 independentage.org/national-social-water-tariff-joint-letter
#FairWaterForAll
We stand with @CAPuk, @MoneyAdviceOrg & @StepChange in calling for a national social tariff for water. It’s time for fair, consistent support for households struggling with bills.
👉 independentage.org/national-social-water-tariff-joint-letter
#FairWaterForAll
October 28, 2025 at 12:04 PM
💧 Water is a basic need — not a luxury.
We stand with @CAPuk, @MoneyAdviceOrg & @StepChange in calling for a national social tariff for water. It’s time for fair, consistent support for households struggling with bills.
👉 independentage.org/national-social-water-tariff-joint-letter
#FairWaterForAll
We stand with @CAPuk, @MoneyAdviceOrg & @StepChange in calling for a national social tariff for water. It’s time for fair, consistent support for households struggling with bills.
👉 independentage.org/national-social-water-tariff-joint-letter
#FairWaterForAll
🎉 Celebrating 15 Years of PennySmart CIC
This year marked a remarkable milestone for PennySmart CIC - 15 years of empowering individuals and families to take control of their finances and build brighter futures.
1/3
#FinancialWellbeing #PennySmart15
This year marked a remarkable milestone for PennySmart CIC - 15 years of empowering individuals and families to take control of their finances and build brighter futures.
1/3
#FinancialWellbeing #PennySmart15
October 27, 2025 at 12:01 PM
🎉 Celebrating 15 Years of PennySmart CIC
This year marked a remarkable milestone for PennySmart CIC - 15 years of empowering individuals and families to take control of their finances and build brighter futures.
1/3
#FinancialWellbeing #PennySmart15
This year marked a remarkable milestone for PennySmart CIC - 15 years of empowering individuals and families to take control of their finances and build brighter futures.
1/3
#FinancialWellbeing #PennySmart15
£500m for first ever Fair Pay Agreement for care workers
Government invests £500 million into first ever fair pay agreement in major milestone for care worker pay.
www.gov.uk/government/n...
#careworkers #fairpayagreement
Government invests £500 million into first ever fair pay agreement in major milestone for care worker pay.
www.gov.uk/government/n...
#careworkers #fairpayagreement
October 24, 2025 at 11:02 AM
£500m for first ever Fair Pay Agreement for care workers
Government invests £500 million into first ever fair pay agreement in major milestone for care worker pay.
www.gov.uk/government/n...
#careworkers #fairpayagreement
Government invests £500 million into first ever fair pay agreement in major milestone for care worker pay.
www.gov.uk/government/n...
#careworkers #fairpayagreement
Do you work with households facing financial hardship?
Get Free expert money, debt and benefit advice.
Supporting anyone that lives in Chester postcodes CH1 to CH4?
Email: advice@pennysmart.org.uk
Tel: 01244 651210
Text/Whatsapp: 07934901186
#moneyadvice #chester #referrals
Get Free expert money, debt and benefit advice.
Supporting anyone that lives in Chester postcodes CH1 to CH4?
Email: advice@pennysmart.org.uk
Tel: 01244 651210
Text/Whatsapp: 07934901186
#moneyadvice #chester #referrals
October 23, 2025 at 11:03 AM
Do you work with households facing financial hardship?
Get Free expert money, debt and benefit advice.
Supporting anyone that lives in Chester postcodes CH1 to CH4?
Email: advice@pennysmart.org.uk
Tel: 01244 651210
Text/Whatsapp: 07934901186
#moneyadvice #chester #referrals
Get Free expert money, debt and benefit advice.
Supporting anyone that lives in Chester postcodes CH1 to CH4?
Email: advice@pennysmart.org.uk
Tel: 01244 651210
Text/Whatsapp: 07934901186
#moneyadvice #chester #referrals
Do you work with households facing financial hardship?
Get Free expert money, debt and benefit advice.
Supporting anyone that lives in Wrexham, Flintshire & Denbighshire?
Email: advice@pennysmart.org.uk
Tel: 01244 651210
Text/Whatsapp: 07934901186
#moneyadvice
Get Free expert money, debt and benefit advice.
Supporting anyone that lives in Wrexham, Flintshire & Denbighshire?
Email: advice@pennysmart.org.uk
Tel: 01244 651210
Text/Whatsapp: 07934901186
#moneyadvice
October 22, 2025 at 11:02 AM
Do you work with households facing financial hardship?
Get Free expert money, debt and benefit advice.
Supporting anyone that lives in Wrexham, Flintshire & Denbighshire?
Email: advice@pennysmart.org.uk
Tel: 01244 651210
Text/Whatsapp: 07934901186
#moneyadvice
Get Free expert money, debt and benefit advice.
Supporting anyone that lives in Wrexham, Flintshire & Denbighshire?
Email: advice@pennysmart.org.uk
Tel: 01244 651210
Text/Whatsapp: 07934901186
#moneyadvice
Advice changes lives. This #AdviceWeek we’re backing @adviceuk.bsky.social ’s #AdviceSaves campaign for a National Advice Workforce Strategy to address the workforce crisis facing the advice sector. We need to protect and grow the people who make advice possible.
#AdviceSaves #AdviceWorks
#AdviceSaves #AdviceWorks
October 21, 2025 at 11:02 AM
Advice changes lives. This #AdviceWeek we’re backing @adviceuk.bsky.social ’s #AdviceSaves campaign for a National Advice Workforce Strategy to address the workforce crisis facing the advice sector. We need to protect and grow the people who make advice possible.
#AdviceSaves #AdviceWorks
#AdviceSaves #AdviceWorks
Do you work with households facing financial hardship?
Get Free expert money, debt and benefit advice.
Supporting anyone that lives in Crewe?
Email: advice@pennysmart.org.uk
Tel: 01244 651210
Text/Whatsapp: 07934901186
#moneyadvice #debtadvice #benefitadvice #crewe
Get Free expert money, debt and benefit advice.
Supporting anyone that lives in Crewe?
Email: advice@pennysmart.org.uk
Tel: 01244 651210
Text/Whatsapp: 07934901186
#moneyadvice #debtadvice #benefitadvice #crewe
October 20, 2025 at 11:02 AM
Do you work with households facing financial hardship?
Get Free expert money, debt and benefit advice.
Supporting anyone that lives in Crewe?
Email: advice@pennysmart.org.uk
Tel: 01244 651210
Text/Whatsapp: 07934901186
#moneyadvice #debtadvice #benefitadvice #crewe
Get Free expert money, debt and benefit advice.
Supporting anyone that lives in Crewe?
Email: advice@pennysmart.org.uk
Tel: 01244 651210
Text/Whatsapp: 07934901186
#moneyadvice #debtadvice #benefitadvice #crewe
#AdviceWeek is here! We’re joining @adviceuk.bsky.social to highlight the vital role of advisers across the UK & why a National Advice Workforce Strategy matters for the future. Free, independent advice changes lives every day. Let’s make sure the people who deliver it are supported too.#AdviceSaves
October 20, 2025 at 7:00 AM
#AdviceWeek is here! We’re joining @adviceuk.bsky.social to highlight the vital role of advisers across the UK & why a National Advice Workforce Strategy matters for the future. Free, independent advice changes lives every day. Let’s make sure the people who deliver it are supported too.#AdviceSaves
🎃 Scary Spending Series
Enjoy Halloween without overspending:
🔹 DIY costumes
🔹 Budget-friendly decorations
🔹 Bulk-buy treats
🔹 Free local events
Smart choices = spooky fun without financial fright.
#ScarySpending #BudgetHalloween #FinancialWellbeing #FrugalLiving
Enjoy Halloween without overspending:
🔹 DIY costumes
🔹 Budget-friendly decorations
🔹 Bulk-buy treats
🔹 Free local events
Smart choices = spooky fun without financial fright.
#ScarySpending #BudgetHalloween #FinancialWellbeing #FrugalLiving
October 17, 2025 at 11:04 AM
🎃 Scary Spending Series
Enjoy Halloween without overspending:
🔹 DIY costumes
🔹 Budget-friendly decorations
🔹 Bulk-buy treats
🔹 Free local events
Smart choices = spooky fun without financial fright.
#ScarySpending #BudgetHalloween #FinancialWellbeing #FrugalLiving
Enjoy Halloween without overspending:
🔹 DIY costumes
🔹 Budget-friendly decorations
🔹 Bulk-buy treats
🔹 Free local events
Smart choices = spooky fun without financial fright.
#ScarySpending #BudgetHalloween #FinancialWellbeing #FrugalLiving
📣 Parents: Don’t miss out on up to £2,000/year in support!
HMRC urges families earning under £100k to register for Tax-Free Childcare this autumn.
Quick, easy, and could make a big difference.
More info 👉 www.mirror.co.uk/money/hmrc-t...
#ChildBenefit #FamilyFinance
HMRC urges families earning under £100k to register for Tax-Free Childcare this autumn.
Quick, easy, and could make a big difference.
More info 👉 www.mirror.co.uk/money/hmrc-t...
#ChildBenefit #FamilyFinance
October 16, 2025 at 11:02 AM
📣 Parents: Don’t miss out on up to £2,000/year in support!
HMRC urges families earning under £100k to register for Tax-Free Childcare this autumn.
Quick, easy, and could make a big difference.
More info 👉 www.mirror.co.uk/money/hmrc-t...
#ChildBenefit #FamilyFinance
HMRC urges families earning under £100k to register for Tax-Free Childcare this autumn.
Quick, easy, and could make a big difference.
More info 👉 www.mirror.co.uk/money/hmrc-t...
#ChildBenefit #FamilyFinance
Don't get caught out by work expenses. Check first, claim later. It’s free with HMRC.
Check you're eligible on GOV UK before claiming work expenses.
dontgetcaughtout.campaign.gov.uk/claiming-exp...
#workexpenses #tax #HMRC #moneyadvice
Check you're eligible on GOV UK before claiming work expenses.
dontgetcaughtout.campaign.gov.uk/claiming-exp...
#workexpenses #tax #HMRC #moneyadvice
October 15, 2025 at 11:02 AM
Don't get caught out by work expenses. Check first, claim later. It’s free with HMRC.
Check you're eligible on GOV UK before claiming work expenses.
dontgetcaughtout.campaign.gov.uk/claiming-exp...
#workexpenses #tax #HMRC #moneyadvice
Check you're eligible on GOV UK before claiming work expenses.
dontgetcaughtout.campaign.gov.uk/claiming-exp...
#workexpenses #tax #HMRC #moneyadvice
Do you work with households facing financial hardship?
Get Free expert money, debt and benefit advice.
Live in the Wirral, Merseyside, Halton, Sefton, Knowsley or Liverpool area?
Email: advice@pennysmart.org.uk
Tel: 01244 651210
Text/Whatsapp: 07934901186
#moneyadvice #debtadvice
Get Free expert money, debt and benefit advice.
Live in the Wirral, Merseyside, Halton, Sefton, Knowsley or Liverpool area?
Email: advice@pennysmart.org.uk
Tel: 01244 651210
Text/Whatsapp: 07934901186
#moneyadvice #debtadvice
October 14, 2025 at 11:02 AM
Do you work with households facing financial hardship?
Get Free expert money, debt and benefit advice.
Live in the Wirral, Merseyside, Halton, Sefton, Knowsley or Liverpool area?
Email: advice@pennysmart.org.uk
Tel: 01244 651210
Text/Whatsapp: 07934901186
#moneyadvice #debtadvice
Get Free expert money, debt and benefit advice.
Live in the Wirral, Merseyside, Halton, Sefton, Knowsley or Liverpool area?
Email: advice@pennysmart.org.uk
Tel: 01244 651210
Text/Whatsapp: 07934901186
#moneyadvice #debtadvice
💸 Nearly half of UK adults feel financial FOMO - but you can beat it.
✅ Use money tools
✅ Maximise rewards
✅ Invest spare savings
✅ Switch smart accounts
✅ Set realistic goals
www.mirror.co.uk/money/expert...
#MoneyMonday #FinancialFOMO #MoneyConfidence
✅ Use money tools
✅ Maximise rewards
✅ Invest spare savings
✅ Switch smart accounts
✅ Set realistic goals
www.mirror.co.uk/money/expert...
#MoneyMonday #FinancialFOMO #MoneyConfidence
October 13, 2025 at 11:01 AM
💸 Nearly half of UK adults feel financial FOMO - but you can beat it.
✅ Use money tools
✅ Maximise rewards
✅ Invest spare savings
✅ Switch smart accounts
✅ Set realistic goals
www.mirror.co.uk/money/expert...
#MoneyMonday #FinancialFOMO #MoneyConfidence
✅ Use money tools
✅ Maximise rewards
✅ Invest spare savings
✅ Switch smart accounts
✅ Set realistic goals
www.mirror.co.uk/money/expert...
#MoneyMonday #FinancialFOMO #MoneyConfidence