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.
Don't forget the last day to send your Christmas post.
The cut-off date this year for 2nd class is Wednesday 17th December.
1st Class is Saturday 20th December.
www.postoffice.co.uk/last-posting...
#moneyadvicexmastips #moneysaving #christmas #moneyadvice #royalmail #postage
The cut-off date this year for 2nd class is Wednesday 17th December.
1st Class is Saturday 20th December.
www.postoffice.co.uk/last-posting...
#moneyadvicexmastips #moneysaving #christmas #moneyadvice #royalmail #postage
December 15, 2025 at 12:01 PM
Don't forget the last day to send your Christmas post.
The cut-off date this year for 2nd class is Wednesday 17th December.
1st Class is Saturday 20th December.
www.postoffice.co.uk/last-posting...
#moneyadvicexmastips #moneysaving #christmas #moneyadvice #royalmail #postage
The cut-off date this year for 2nd class is Wednesday 17th December.
1st Class is Saturday 20th December.
www.postoffice.co.uk/last-posting...
#moneyadvicexmastips #moneysaving #christmas #moneyadvice #royalmail #postage
What our referral partners say about us:
"Pennysmart have been invaluable. Staff members are hardworking, patient & kind while all the while remaining professional..." Dial West Cheshire.
#FeelGoodFriday #Feedback #moneyadvice #referrals
"Pennysmart have been invaluable. Staff members are hardworking, patient & kind while all the while remaining professional..." Dial West Cheshire.
#FeelGoodFriday #Feedback #moneyadvice #referrals
December 12, 2025 at 12:03 PM
What our referral partners say about us:
"Pennysmart have been invaluable. Staff members are hardworking, patient & kind while all the while remaining professional..." Dial West Cheshire.
#FeelGoodFriday #Feedback #moneyadvice #referrals
"Pennysmart have been invaluable. Staff members are hardworking, patient & kind while all the while remaining professional..." Dial West Cheshire.
#FeelGoodFriday #Feedback #moneyadvice #referrals
Don't wait till Spring for a clear out - have a sort and flog any unwanted items for money towards Christmas.
Or give them to charity.
It also helps clear space around the house too.
#moneyadvicexmastips #christmas #moneysaving #moneyadvice #christmastips #flogit #XmasSortOut
Or give them to charity.
It also helps clear space around the house too.
#moneyadvicexmastips #christmas #moneysaving #moneyadvice #christmastips #flogit #XmasSortOut
December 11, 2025 at 12:00 PM
Don't wait till Spring for a clear out - have a sort and flog any unwanted items for money towards Christmas.
Or give them to charity.
It also helps clear space around the house too.
#moneyadvicexmastips #christmas #moneysaving #moneyadvice #christmastips #flogit #XmasSortOut
Or give them to charity.
It also helps clear space around the house too.
#moneyadvicexmastips #christmas #moneysaving #moneyadvice #christmastips #flogit #XmasSortOut
Are you worried about the cost of the festive season?
Dw rCymru Welsh Water has lots of financial support options available to help.
Call them to talk through your options: 0800 052 0145
Visit online for more info: dwrcymru.com/helpwithbills
Dw rCymru Welsh Water has lots of financial support options available to help.
Call them to talk through your options: 0800 052 0145
Visit online for more info: dwrcymru.com/helpwithbills
December 10, 2025 at 5:00 PM
Are you worried about the cost of the festive season?
Dw rCymru Welsh Water has lots of financial support options available to help.
Call them to talk through your options: 0800 052 0145
Visit online for more info: dwrcymru.com/helpwithbills
Dw rCymru Welsh Water has lots of financial support options available to help.
Call them to talk through your options: 0800 052 0145
Visit online for more info: dwrcymru.com/helpwithbills
Crowdfund your Christmas.
Pool money and resources to spread the cost and cut down on excess and waste.
#moneyadvicexmastips #christmas #moneysaving #moneyadvice #christmastips #crowdfundxmas #secretsanta
Pool money and resources to spread the cost and cut down on excess and waste.
#moneyadvicexmastips #christmas #moneysaving #moneyadvice #christmastips #crowdfundxmas #secretsanta
December 9, 2025 at 12:02 PM
Crowdfund your Christmas.
Pool money and resources to spread the cost and cut down on excess and waste.
#moneyadvicexmastips #christmas #moneysaving #moneyadvice #christmastips #crowdfundxmas #secretsanta
Pool money and resources to spread the cost and cut down on excess and waste.
#moneyadvicexmastips #christmas #moneysaving #moneyadvice #christmastips #crowdfundxmas #secretsanta
📢 UK teens lack key money skills, leaving parents to pick up the tab
💸 Financial education should start early not at your first job. Let’s teach teens to budget, save & make smart choices.
Read more: www.mirror.co.uk/money/britis...
#MoneyMatters #FinancialEducation #MoneyMonday
💸 Financial education should start early not at your first job. Let’s teach teens to budget, save & make smart choices.
Read more: www.mirror.co.uk/money/britis...
#MoneyMatters #FinancialEducation #MoneyMonday
December 8, 2025 at 12:02 PM
📢 UK teens lack key money skills, leaving parents to pick up the tab
💸 Financial education should start early not at your first job. Let’s teach teens to budget, save & make smart choices.
Read more: www.mirror.co.uk/money/britis...
#MoneyMatters #FinancialEducation #MoneyMonday
💸 Financial education should start early not at your first job. Let’s teach teens to budget, save & make smart choices.
Read more: www.mirror.co.uk/money/britis...
#MoneyMatters #FinancialEducation #MoneyMonday
Christmas Money Advice Tips - Cashback
If you have to spend - earn something while you do it.
Find the best buy first & then look at what cashback offers you can get on top.
Sites like TopCashback, Quidco & KidStart
#moneyadvicexmastips #christmas #moneysaving #moneyadvice
If you have to spend - earn something while you do it.
Find the best buy first & then look at what cashback offers you can get on top.
Sites like TopCashback, Quidco & KidStart
#moneyadvicexmastips #christmas #moneysaving #moneyadvice
December 5, 2025 at 12:02 PM
Christmas Money Advice Tips - Cashback
If you have to spend - earn something while you do it.
Find the best buy first & then look at what cashback offers you can get on top.
Sites like TopCashback, Quidco & KidStart
#moneyadvicexmastips #christmas #moneysaving #moneyadvice
If you have to spend - earn something while you do it.
Find the best buy first & then look at what cashback offers you can get on top.
Sites like TopCashback, Quidco & KidStart
#moneyadvicexmastips #christmas #moneysaving #moneyadvice
🎄 Avoid festive debt this Christmas! 🎄
14M people will struggle to afford Christmas don’t let January bring a financial hangover.
✅ Budget realistically
✅ Skip borrowing for gifts
✅ Plan food & travel
✅ Seek support
✅ Save for next year
More tips 👉 bit.ly/3tZkX9h
14M people will struggle to afford Christmas don’t let January bring a financial hangover.
✅ Budget realistically
✅ Skip borrowing for gifts
✅ Plan food & travel
✅ Seek support
✅ Save for next year
More tips 👉 bit.ly/3tZkX9h
December 4, 2025 at 12:01 PM
🎄 Avoid festive debt this Christmas! 🎄
14M people will struggle to afford Christmas don’t let January bring a financial hangover.
✅ Budget realistically
✅ Skip borrowing for gifts
✅ Plan food & travel
✅ Seek support
✅ Save for next year
More tips 👉 bit.ly/3tZkX9h
14M people will struggle to afford Christmas don’t let January bring a financial hangover.
✅ Budget realistically
✅ Skip borrowing for gifts
✅ Plan food & travel
✅ Seek support
✅ Save for next year
More tips 👉 bit.ly/3tZkX9h
Work out what your budget is for Christmas.
There are many free tools that can help work this out for you, such as -
www.moneyhelper.org.uk/en/everyday-...
Download our household budget - www.pennysmart.org.uk/client-docs/...
#moneyadvicexmastips #christmas #moneysaving #moneyadvice #budgetingtips
There are many free tools that can help work this out for you, such as -
www.moneyhelper.org.uk/en/everyday-...
Download our household budget - www.pennysmart.org.uk/client-docs/...
#moneyadvicexmastips #christmas #moneysaving #moneyadvice #budgetingtips
December 3, 2025 at 12:01 PM
Work out what your budget is for Christmas.
There are many free tools that can help work this out for you, such as -
www.moneyhelper.org.uk/en/everyday-...
Download our household budget - www.pennysmart.org.uk/client-docs/...
#moneyadvicexmastips #christmas #moneysaving #moneyadvice #budgetingtips
There are many free tools that can help work this out for you, such as -
www.moneyhelper.org.uk/en/everyday-...
Download our household budget - www.pennysmart.org.uk/client-docs/...
#moneyadvicexmastips #christmas #moneysaving #moneyadvice #budgetingtips
❄️ Need help with NHS health costs this winter? ❄️
If you’re on Universal Credit, you may qualify for support via the NHS Low Income Scheme:
✅ Prescriptions
✅ Dental care
✅ Eye tests
✅ Travel to hospital
Check eligibility & avoid penalties 👉 www.nhsbsa.nhs.uk/check-if-you...
#NHSHelp
If you’re on Universal Credit, you may qualify for support via the NHS Low Income Scheme:
✅ Prescriptions
✅ Dental care
✅ Eye tests
✅ Travel to hospital
Check eligibility & avoid penalties 👉 www.nhsbsa.nhs.uk/check-if-you...
#NHSHelp
December 2, 2025 at 12:01 PM
❄️ Need help with NHS health costs this winter? ❄️
If you’re on Universal Credit, you may qualify for support via the NHS Low Income Scheme:
✅ Prescriptions
✅ Dental care
✅ Eye tests
✅ Travel to hospital
Check eligibility & avoid penalties 👉 www.nhsbsa.nhs.uk/check-if-you...
#NHSHelp
If you’re on Universal Credit, you may qualify for support via the NHS Low Income Scheme:
✅ Prescriptions
✅ Dental care
✅ Eye tests
✅ Travel to hospital
Check eligibility & avoid penalties 👉 www.nhsbsa.nhs.uk/check-if-you...
#NHSHelp
Christmas has become a time of excess, but do we really need to buy half the things we do? Audit what you need to buy & ban unnecessary gifts & spending.
www.moneysavingexpert.com/2009/11/is-i...
#moneyadvicexmastips #christmas #moneysaving #moneyadvice #christmastips #budgeting #unnecessarygifts
www.moneysavingexpert.com/2009/11/is-i...
#moneyadvicexmastips #christmas #moneysaving #moneyadvice #christmastips #budgeting #unnecessarygifts
December 1, 2025 at 12:02 PM
Christmas has become a time of excess, but do we really need to buy half the things we do? Audit what you need to buy & ban unnecessary gifts & spending.
www.moneysavingexpert.com/2009/11/is-i...
#moneyadvicexmastips #christmas #moneysaving #moneyadvice #christmastips #budgeting #unnecessarygifts
www.moneysavingexpert.com/2009/11/is-i...
#moneyadvicexmastips #christmas #moneysaving #moneyadvice #christmastips #budgeting #unnecessarygifts
With just 27 days to go 😮 don't be left with a Christmas hangover.
There is still time to plan ahead, spread the cost & hopefully make some savings too!
Follow: #moneyadvicexmastips for money saving ideas.
padlet.com/FWBNetwork/f...
#christmas #moneysaving #moneyadvice
There is still time to plan ahead, spread the cost & hopefully make some savings too!
Follow: #moneyadvicexmastips for money saving ideas.
padlet.com/FWBNetwork/f...
#christmas #moneysaving #moneyadvice
November 28, 2025 at 12:01 PM
With just 27 days to go 😮 don't be left with a Christmas hangover.
There is still time to plan ahead, spread the cost & hopefully make some savings too!
Follow: #moneyadvicexmastips for money saving ideas.
padlet.com/FWBNetwork/f...
#christmas #moneysaving #moneyadvice
There is still time to plan ahead, spread the cost & hopefully make some savings too!
Follow: #moneyadvicexmastips for money saving ideas.
padlet.com/FWBNetwork/f...
#christmas #moneysaving #moneyadvice
There are 1.08 million people in debt to a loan shark in England.
You're not alone.
Call @slsengland.bsky.social on 0300 555 2222 or WhatsApp 07700 102773 for free, confidential support
#StopLoanSharks
You're not alone.
Call @slsengland.bsky.social on 0300 555 2222 or WhatsApp 07700 102773 for free, confidential support
#StopLoanSharks
November 27, 2025 at 12:02 PM
There are 1.08 million people in debt to a loan shark in England.
You're not alone.
Call @slsengland.bsky.social on 0300 555 2222 or WhatsApp 07700 102773 for free, confidential support
#StopLoanSharks
You're not alone.
Call @slsengland.bsky.social on 0300 555 2222 or WhatsApp 07700 102773 for free, confidential support
#StopLoanSharks
Millions of UK children live in #FuelPoverty. No child should grow up in a cold, unhealthy home. Heating to a safe temperature is out of reach for many some only heat 1 room. Gov must act now.
Support @nea.org.uk ’s #FuelPovertyAwarenessDay.
Support @nea.org.uk ’s #FuelPovertyAwarenessDay.
November 26, 2025 at 6:01 PM
Millions of UK children live in #FuelPoverty. No child should grow up in a cold, unhealthy home. Heating to a safe temperature is out of reach for many some only heat 1 room. Gov must act now.
Support @nea.org.uk ’s #FuelPovertyAwarenessDay.
Support @nea.org.uk ’s #FuelPovertyAwarenessDay.
83% of the low-income householders in Wales are unable to afford to keep warm & healthy at home.
Mae 83% o ddeiliaid tai incwm isel yng Nghymru’n methu fforddio cadw'n gynnes ac yn iach gartref.
Support/Cefnogwch @nea-cymru.bsky.social @nea.org.uk 's #FuelPovertyAwarenessDay.
Mae 83% o ddeiliaid tai incwm isel yng Nghymru’n methu fforddio cadw'n gynnes ac yn iach gartref.
Support/Cefnogwch @nea-cymru.bsky.social @nea.org.uk 's #FuelPovertyAwarenessDay.
November 26, 2025 at 3:01 PM
83% of the low-income householders in Wales are unable to afford to keep warm & healthy at home.
Mae 83% o ddeiliaid tai incwm isel yng Nghymru’n methu fforddio cadw'n gynnes ac yn iach gartref.
Support/Cefnogwch @nea-cymru.bsky.social @nea.org.uk 's #FuelPovertyAwarenessDay.
Mae 83% o ddeiliaid tai incwm isel yng Nghymru’n methu fforddio cadw'n gynnes ac yn iach gartref.
Support/Cefnogwch @nea-cymru.bsky.social @nea.org.uk 's #FuelPovertyAwarenessDay.
We’re joining @nea.org.uk @nea-cymru.bsky.social to call for deeper financial support for households in fuel poverty.
#FuelPovertyAwarenessDay #financialsupport
#FuelPovertyAwarenessDay #financialsupport
November 26, 2025 at 12:01 PM
We’re joining @nea.org.uk @nea-cymru.bsky.social to call for deeper financial support for households in fuel poverty.
#FuelPovertyAwarenessDay #financialsupport
#FuelPovertyAwarenessDay #financialsupport
🏆 Thrilled to see MindAndMoneyLCR win Most Impactful Project at the Citizens Advice Annual Ceremony! Proud to partner in supporting 3,000 households, £5m+ income gains & vital early intervention. 💙
www.thewomensorganisation.org.uk/mind-and-mon...
#MindandMoney #PartnershipWorking
www.thewomensorganisation.org.uk/mind-and-mon...
#MindandMoney #PartnershipWorking
Mind and Money Project Wins Prestigious National Award for Supporting People Across Liverpool City Region
the Mind and Money Project has been awarded the national title of ‘Most Impactful Project’ at the Citizens Advice Annual Conference Ceremony.
www.thewomensorganisation.org.uk
November 25, 2025 at 12:00 PM
🏆 Thrilled to see MindAndMoneyLCR win Most Impactful Project at the Citizens Advice Annual Ceremony! Proud to partner in supporting 3,000 households, £5m+ income gains & vital early intervention. 💙
www.thewomensorganisation.org.uk/mind-and-mon...
#MindandMoney #PartnershipWorking
www.thewomensorganisation.org.uk/mind-and-mon...
#MindandMoney #PartnershipWorking
Big news for families!
From April 2026 - 2,000 more schools will offer free breakfast clubs helping 500,000 extra children start the day right.
A great step in tackling food insecurity & supporting learning.
👉 www.gov.uk/government/n...
#CostOfLiving #BreakfastClubs #FamilySupport
From April 2026 - 2,000 more schools will offer free breakfast clubs helping 500,000 extra children start the day right.
A great step in tackling food insecurity & supporting learning.
👉 www.gov.uk/government/n...
#CostOfLiving #BreakfastClubs #FamilySupport
November 24, 2025 at 12:01 PM
Big news for families!
From April 2026 - 2,000 more schools will offer free breakfast clubs helping 500,000 extra children start the day right.
A great step in tackling food insecurity & supporting learning.
👉 www.gov.uk/government/n...
#CostOfLiving #BreakfastClubs #FamilySupport
From April 2026 - 2,000 more schools will offer free breakfast clubs helping 500,000 extra children start the day right.
A great step in tackling food insecurity & supporting learning.
👉 www.gov.uk/government/n...
#CostOfLiving #BreakfastClubs #FamilySupport
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: [email protected]
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: [email protected]
Tel: 01244 651210
Text/Whatsapp: 07934901186
#moneyadvice #chester #referrals
November 21, 2025 at 12:01 PM
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: [email protected]
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: [email protected]
Tel: 01244 651210
Text/Whatsapp: 07934901186
#moneyadvice #chester #referrals
🎄 A “perfect” Christmas doesn’t need a perfect price tag.
Spend less, stress less, and focus on what matters: love, laughter & memories.
✨ A Penny-Wise Christmas: Spending Less, Living More
#DebtFreeHolidays #PennyWiseChristmas #FinancialWellbeing #MindfulSpending
Spend less, stress less, and focus on what matters: love, laughter & memories.
✨ A Penny-Wise Christmas: Spending Less, Living More
#DebtFreeHolidays #PennyWiseChristmas #FinancialWellbeing #MindfulSpending
November 20, 2025 at 12:01 PM
🎄 A “perfect” Christmas doesn’t need a perfect price tag.
Spend less, stress less, and focus on what matters: love, laughter & memories.
✨ A Penny-Wise Christmas: Spending Less, Living More
#DebtFreeHolidays #PennyWiseChristmas #FinancialWellbeing #MindfulSpending
Spend less, stress less, and focus on what matters: love, laughter & memories.
✨ A Penny-Wise Christmas: Spending Less, Living More
#DebtFreeHolidays #PennyWiseChristmas #FinancialWellbeing #MindfulSpending
Today is #InternationalMensDay 🌍
Men face unique challenges:
🔹 14 men die by suicide daily in the UK
🔹 73% feel overwhelmed by money worries
🔹 Only 36% seek mental health support.
Financial stress impacts mental health. Let’s break the stigma.
#MentalHealthMatters
Men face unique challenges:
🔹 14 men die by suicide daily in the UK
🔹 73% feel overwhelmed by money worries
🔹 Only 36% seek mental health support.
Financial stress impacts mental health. Let’s break the stigma.
#MentalHealthMatters
November 19, 2025 at 12:00 PM
Today is #InternationalMensDay 🌍
Men face unique challenges:
🔹 14 men die by suicide daily in the UK
🔹 73% feel overwhelmed by money worries
🔹 Only 36% seek mental health support.
Financial stress impacts mental health. Let’s break the stigma.
#MentalHealthMatters
Men face unique challenges:
🔹 14 men die by suicide daily in the UK
🔹 73% feel overwhelmed by money worries
🔹 Only 36% seek mental health support.
Financial stress impacts mental health. Let’s break the stigma.
#MentalHealthMatters
🚨 Free Scam School sessions are launching across the UK! Learn how to spot scams, protect your info & stay safe online. Research shows 1.8M over-65s were scammed last year let’s change that.
Sign up: news.virginmediao2.co.uk/fraud/
#OnlineSafety #ScamSchool
Sign up: news.virginmediao2.co.uk/fraud/
#OnlineSafety #ScamSchool
November 18, 2025 at 12:02 PM
🚨 Free Scam School sessions are launching across the UK! Learn how to spot scams, protect your info & stay safe online. Research shows 1.8M over-65s were scammed last year let’s change that.
Sign up: news.virginmediao2.co.uk/fraud/
#OnlineSafety #ScamSchool
Sign up: news.virginmediao2.co.uk/fraud/
#OnlineSafety #ScamSchool
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: [email protected]
Tel: 01244 651210
Text/Whatsapp: 07934901186
#moneyadvice #debtadvice
Get Free expert money, debt and benefit advice.
Supporting anyone that lives in Wrexham, Flintshire & Denbighshire?
Email: [email protected]
Tel: 01244 651210
Text/Whatsapp: 07934901186
#moneyadvice #debtadvice
November 17, 2025 at 12:00 PM
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: [email protected]
Tel: 01244 651210
Text/Whatsapp: 07934901186
#moneyadvice #debtadvice
Get Free expert money, debt and benefit advice.
Supporting anyone that lives in Wrexham, Flintshire & Denbighshire?
Email: [email protected]
Tel: 01244 651210
Text/Whatsapp: 07934901186
#moneyadvice #debtadvice
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