More than 600 people looking for financial help

Citizens Advice workers in Hambleton, Richmondshire, and District are expecting  643 people to seek advice in what is due to be busiest month for advice on finances.

Chief executive of Citizens Advice Hambleton, Richmondshire, and Selby & District,Carol Shreeve, said: “January is a great time to take stock of your finances and think about your priorities for the future, not just for the next month but for the next year and beyond.

“Although many people will be focusing on their next pay cheque after the busy Christmas period, people can also use the time to review whether they can save money on their bills or set a savings goal.

“Whether you’re looking to deal with debts, cut your costs or budget better, Citizens Advice can help you review your overall money situation so you can make decisions that improve your financial security.”

Analysis by the national charity shows that across the country, demand for money and debt advice is highest in January and February, with one person contacting their nearest Citizens Advice for help every 11 seconds and people visiting the Citizens Advice website every three seconds in January.

To help people get started, Citizens Advice Hambleton, Richmondshire, and Selby & District is sharing its eight top tips (below) to help people get their finances in order for the New Year.


For information and advice, contact Citizens Advice Hambleton, Richmondshire, and Selby & District on 01748 823862 (Richmondshire), 01609 776551 (Hambleton) or 01757 701320 (Selby & District). You can also visit our website at to access our services online, by web chat or email.

Eight tips for getting your finances in order 

  • Save money on essentials
    You could save an average of £300 on your energy bill by changing tariffs or suppliers. Use Citizens Advice’s energy comparison tool to see if you can save. Diarise the dates of annual contracts that are up for renewal, like your mobile phone or car insurance, and use a comparison site to see if you can get a cheaper deal.
  • Do a simple budget
    Write down your income and take away your essential bills such as rent and mortgage, gas and electric, food and transport. If you have money left over, plan in advance what else you’ll spend or save. If you don’t, look at ways to cut your costs. Use our online tool to set a more detailed budget.
  • Check you’re claiming the right benefits
    If you have a family or are married, check if you can apply for working tax credits or marriage tax allowance on If you live alone, you may be entitled to a discount on your council tax bill. If you claim benefits, visit the Citizens Advice website to check if you are eligible for discounts on your water or energy bills.
  • Start saving
    Start saving if you can – it doesn’t matter if it’s 50p or £5 a week, every penny will help improve your finances. Saving is an important part of everyday finances, giving you a buffer for emergencies, helping you buy bigger items and giving you more financial security for the future.
  • Keep tabs on your overdraft
    Sign up to free text alerts from your bank so you know when you’re close to going into your overdraft. Then make adjustments to your spending if you can.
  • Be choosey about your borrowing
    If you need to borrow money, it’s important to know that there are different offers with credit cards and loans, from free balance transfers to paying no interest for the first few months.
  • Get your debts in order
    If you can’t pay all your debts at once, it’s important to prioritise. Rent or mortgage and council tax are more important than credit card debts for example as the consequences can be more serious if you don’t pay.
  • Invest in your future
    Pensions are a great way to save for the future and are also good value, as your contributions are topped up your employer and the government. If you’re eligible for auto-enrolment, consider paying more than just the minimum. Those who are self-employed can still set up their own pension but make sure it’s with a regulated company. If you’re over 50 and have a defined contribution pension you can get a free Pension Wise appointment to learn more about taking your pension.


Revealed: Eight common scams to watch out for

As part of a campaign to spread the word about scams, and expose the tactics of fraudsters, the local Citizens Advice has revealed these eight common scams to be on the lookout for:

 Investment: victims are persuaded to invest money into fake ventures and are then unable to get their money back

 Fake services: people are offered a service for a fee, only to find the service isn’t real or doesn’t exist at all – such as offers to fix computers remotely and fake invoices for advertising

 Vishing: con artists cold call people pretending to be a legitimate company, asking for credit or debit card details – for example on the pretence they need to refund overpaid bills

 Doorstep selling: victims are offered goods door-to- door or from the back of a van, which are likely to be counterfeit – fraudsters selling mattresses, fresh fish and cleaning products were reported to Citizens Advice

 Upfront payment or fee: fraudsters ask for a payment in advance for a service or product that never materialises, such as asking for a fee to get a loan, or to pay for a training course to secure a job

 Premium rate texts: victims inadvertently agree to receive premium rate texts about games or competitions, usually costing around £4 each

 Counterfeit goods: people buy goods at marketplaces or online that turn out to be counterfeit or even stolen – common products include cigarettes, shoes and clothing, and tickets for events

 Goods not received: people place orders for goods which don’t arrive – scams are often carried out through social media and online auction sites.

The CAB for Hambleton, Richmondshire, and Selby and District is urging people not to fall prey to these scams by following a three-step rule – get advice, report it, and tell others about it.

As part of the July campaign, chief executive of Citizens Advice Hambleton, Richmondshire, and Selby Carol Shreeve, and District said: “Scams are not a minor blight, they heap misery on people and in some cases can lead to financial ruin.

“Fraudsters use sophisticated techniques to con people and because they vary their methods, it can be tricky to spot when something is a scam. If you come across something that seems suspicious, seek advice so you don’t put yourself at risk.

“It’s vital to report scams and spread the word so we can clampdown on con artists and stop others falling into the same traps.”

For advice and information on how to report scams to Trading Standards contact the Citizens Advice consumer service on 03454 04 05 06. To contact the local Citizens Advice service call Northallerton on 01609 776551, Richmond on 01748 823862 or Selby on 01757 701320.

The service can also be followed on Twitter @HambRichSelby or Facebook at