Citizens Advice Cardiff and Vale
Citizens Advice Cardiff and Vale

Advice Column – Protecting Yourself Against Holidays Gone Wrong

15/05/2024|Advice, News|

We’re booking a summer holiday to Spain. It’s been a while since we’ve gone on holiday and we really don’t want anything to go wrong. What can we do to protect ourselves and prepare for the unexpected? The chances are you’ll have the relaxing holiday you deserve, but there are a few things you can do in advance to help your holiday go smoothly. That includes the golden rule of getting travel insurance and brushing up on what your rights are if something goes wrong. The first thing to do is check if your passport is in date.

Energy efficiency support & building work


We all want to keep our homes warm, but the cost can put us off. One way to reduce these costs is through energy efficiency improvements. It’s not always easy to find out what support you can get with this or where to go when things go wrong. ECO scheme The ECO scheme can help cover the cost of insulation, boilers, and other energy efficiency improvements. You can apply through your local council or any energy supplier – it doesn’t have to be your supplier. Eligibility You’ll need to own your home to get energy efficiency support. You can

Advice Column – Understanding Your Payslip


I’ve just got my first payslip from a new job, I’m slightly embarrassed to say I don’t understand what all the different sections refer to. How do I know what each means and if it’s correct? There’s no need to be embarrassed about not understanding your payslip, it contains lots of information which can be tricky to get your head around but it is important to understand. Your payslip shows your pay, deductions and tax information. All employers are required to give their employees a payslip and it’s a good idea to keep them for as long as

Cracking the Code of Credit Scores: Your Path to Financial Empowerment


Your credit score is crucial in the world of managing your money. It's like a key that opens doors to financial opportunities. It's not just a number; it shows how healthy your finances are and has a big say in important decisions in your life, like getting a credit card, a mortgage, or even a job. Let's learn the basics and give you the know-how to make smart money choices.    What is a Credit Score?  At its core, a credit score is a three-digit number that reflects your creditworthiness. It's like a financial report card that lenders use

Navigating Rent Increases in the New Year: A Tenant’s Guide


As the new year starts, many tenants experience rent increases. This could be because of the housing market or other factors. It's important to know how to handle these changes so you can maintain as good landlord-tenant relationship. In this guide, we'll look at the rules for rent increases, how to talk with your landlord, and help you avoid common problems.    Know the Rules: To understand rent going up, you need to know the rules. Landlords have to follow certain laws when they want to charge more rent. We'll talk about things like how much notice they have

Advice Column – Damp and Mould in Rented Accomodation


Damp and mould is building up in our house as the weather gets colder. Our living room is the worst and there’s a strong smell, so we’ve stopped having friends round. We’re also concerned about our health. We’ve reported it to our landlord, but they haven’t done anything. With six months left on the occupation contract, we’re running out of options. What should we do? You’ve done the right thing by bringing this to your landlord. To work out if they are responsible you’ll need to find the cause of the damp and mould, but this can take

Navigate The New Year With New Financial Resolutions


As we enter the new year, the idea of a fresh start encourages us to set goals and resolutions, often focused on achieving financial goals. Whether it's building an emergency fund, paying off debts, or improving overall financial well-being, achieving these goals in 2024 calls for a practical approach. Managing your finances can be challenging, especially in the new year. This guide is here to help you navigate your finances this year within the private rented sector.    Reflect on 2023: Begin your journey by looking back on the past year. What worked well? What challenges did you face?

Consumer Awareness Week 2024

26/01/2024|Consumer Awareness Week|

Across this week of our Consumer Awareness campaign, we’re encouraging consumers to know their rights when shopping including what to do if they run into issues after purchasing; complaints around defective goods or substandard services, and sellers failing to deliver. With the key shopping times of Christmas and the January sales just gone, we’re here to advise people on what to do if things went wrong when shopping or if something you ordered didn’t deliver, how to return faulty goods and how to shop safely and stay aware of scams. We'll be sharing some useful information throughout the week

Budgeting for the New Year: Navigating Finances in the Private Rented Sector


As we step into a new year, it's a great time to start thinking about laying down a solid budgeting plan. For those navigating the private rented sector, managing your finances can be challenging but ever so important. In this blog post, we'll explore practical tips and strategies to help you handle the challenges of budgeting and set yourself up for financial stability in 2024.  Understand Your Income and Expenses: The first step in creating a budget is to have a clear understanding of your income and expenses. List all your sources of income, including your salary, and any

Advice Column: January Debts


I’ve built up a bit of debt and I am panicking. Even though I cut back, Christmas was expensive, my rent has gone up and my paycheque just doesn’t stretch as far as it used to. I’m doing everything I can but it’s not enough - what can I do? First of all it’s important to know you’re not alone in finding things difficult and, crucially, there’s support available. You say you’ve built up a bit of debt. The first step is to collect all the information you have about your debts, this might include contracts, bills and statements.

Year-End Rental Check: Essential Tips for Tenants and Landlords


As the year draws to a close, it's the perfect time for both tenants and landlords to conduct a comprehensive year-end review of their rental agreements and properties. This proactive approach can pave the way for a smooth transition into the new year and help maintain a healthy landlord-tenant relationship. Here are essential tips for both parties to consider:    For Tenants:  Review Your Lease Agreement: Take some time to carefully go through your lease agreement. Note any changes in terms, renewal options, or clauses that might impact your tenancy in the coming year.  Document Property Condition: Conduct a

Navigating Christmas with Rent Arrears: A Guide to Financial Resilience


The festive season is meant to be a time of joy, but for those facing rent arrears, it can bring added stress and anxiety. However, there are steps you can take to navigate this challenging situation and ensure that the festive season remains a time of warmth and togetherness. In this article, we'll explore practical tips and resources to help you manage rent arrears during Christmas. Communication is Key Initiate open communication with your landlord to discuss your financial situation. Some landlords may be willing to negotiate a temporary rent reduction or agree to a realistic repayment plan. Communication

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