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Money Management Tips

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Most of us have occasions when our cash situation gets a little bit tight — and just after Christmas is often the time when we take a long look at the credit card bills and swallow hard! (According to uSwitch, for example, one in five of us will start the New Year with £5,000 owed on our credit cards).

How would you like some free and impartial advice to help with managing your personal finances? Even the most financially-savvy can benefit — and did we mention, it's free!

So what's the catch?
CAP Money is offering an interactive discussion for all local residents of Haddenham, and there's no "sell" ... no "hook" ... and absolutely no "catch" whatsoever.

What is CAP Money?
CAP Money is a revolutionary money management course that teaches people budgeting skills and a simple, cash-based system that really works. This course will help anyone to get more in control of their finances, so they can save, give and prevent debt. CAP Money is a course devised by the award winning debt counseling charity, Christians Against Poverty.

What CAP Money teaches
CAP Money is a three-session course that features DVD presentations by John Kirkby, CAP's Founder and International Director, and Matt Barlow, CAP's UK Chief Executive. During the three sessions you will learn:

1. How to build and live on a budget. This is the cornerstone of managing your money well. The session includes advice on how to increase your income and how to cut costs.

2. The CAP Money system. This system will help to simplify your money and make it understandable. It operates using three accounts for your money: a regular payments account, a cash account and a savings account.

3. How to live from week to week using cash. Living on cash and getting away from cards means you know exactly where you are and helps you to spend less money. It's statistically proven that you spend 33% less money when paying by cash rather than cards

By applying these three principles, you will learn how to manage your money, and live your life!
After watching the DVDs, Haddenham-based CAP Money Coaches will be available to help you build your budget and answer any questions you may have. A unique benefit of CAP Money is that, if you discover that you can't balance your budget and pay off any debts, you will be able to access CAP Money Plus. This is an Internet-based debt counselling service from Christians Against Poverty.

When & Where?
The CAP Money course will be running on three consecutive Saturday mornings, on 9th, 16th and 23rd November, from 10am to 12 noon. All sessions will take place in St Mary's Centre.

For more information, or to book your place, please have a word with Marie before 12 noon weekdays in St Mary's parish office (Tel: 291108) or, in the evening contact Sue (Tel: 290583). Please note that the course is based on attendance for all three sessions, and there is a little "homework" to do between sessions — but nothing too arduous!

If you can't make it to these workshops, the Citizen's Advice Bureau offers free help and advice. You can download a summary of their tips and suggestions from this page — simply click on the PDF shown below the cash image.

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