The CAB may have shut but help is still available
MOST of us at some time need a loan but it can lead on to other problems.
The practices and charges from many payday loan companies which charge such high interests rates many times just get people into even more debt
Since the CAB closed in Cheltenham people need to find another way of getting help and advice on managing their income to make it work better for them.
Gloucestershire Credit Union Ltd offers convenient savings and loan facilities throughout the county at low interest rates to its members.
Importantly, all members are able to have a say in how GCU is run.
It is an easy and convenient way to save and borrow.
This organisation is supported by numerous organisations, churches, community groups, trading standards, councils, police and registered landlords.
They welcome everybody from within Gloucestershire regardless of income, employment status or age.
GCR operate from two sites in Cheltenham: First Stop Shop in the High Street (01242 228999) or Oakley Community Centre on 01242 516960.
Do take a look at their website which tells you all about it and how it works.
If you just want to discuss and get advice on your budget but not a loan there is also a free course which is held at the Salvation Army Community Church on Bath Road.
They run the CAP Money Plus programme which is like a MOT for your finances. There is no shame in asking for advice and help with these things.
The Salvation Army are now working with Job Seekers teaching people on how to use a computer.
Employment Plus Local is a free drop-in service for job seekers every Monday between 10am and 1pm. Computers, internet access, job search resources and a supportive environment for people on their journey back into work.
They are now starting to open their computer training to anyone.
In fact the office is open Monday to Friday at those times if you would like to drop in and talk to them about any of the services they provide.
When I visited this centre last week all computers were in use with trained volunteers giving their time to teach and support.
The CAB might be closed but there is even more help now being offered in Bath Road.
The Salvation Army do not only sing and play the trumpet they support, help and give advice on all issues.
If you need help or have a question call 01242 523412 or pop in and see them.