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WebDoing a budget is a positive and important step. However, if your circumstances have changed recently you might not be ready to do one yet. It is still important that you get advice now. Webchat with an adviser from 9am - 8pm Monday to Friday. Call to speak to an adviser on 0808 808 4000 9am - 8pm Monday to Friday. WebWelcome to Citizens Advice How can we help? Search for advice Popular advice Get help with the cost of living Grants and benefits to help you pay your energy bills Get help with bills Check if you can pay less council tax How to read your smart electricity meter Check what benefits you can get WebFinances 50+ SM is a 3-part program designed to help you make and keep smart money habits. The program covers: budgeting and goal setting. taking charge of credit and debt. developing a savings plan and protecting your assets. Download guides and worksheets, plus find helpful links for a range of money management topics. northland reliability project