‘Budget not blues’ in Chadderton to help people improve their finances in 2024

The Ancora Project and money coaching and debt help charity, Christians Against Poverty (CAP) launches a new campaign this January with Chadderton Community Church to help people swap the January blues for budgeting success.

  • A charity that helped people to find millions of pounds of extra income last year and supported thousands out of debt highlights ways you can improve your finances. 
  • Chadderton Community Church is offering a free Life Skills group in 2024. 

The charity, Christians Against Poverty (CAP), which offers free help to people in Oldham, across the North West and the rest of the UK to improve their finances is launching their Budget not Blues campaign with The Ancora Project alongside Chadderton Community Church with the aim of helping thousands of people improve their finances this January. 

CAP’s Life Skills Manager Lisa Woolfenden says, “January is often a time when we all feel a bit blue. The weather is cold, energy bills are on the rise again and money for a lot of people is tight at this time of year, but there are simple steps we can all take to turn our January blues into budgeting success!”

“At Christians Against Poverty and Chadderton Community Church we are determined to help people in our local community improve their finances. We do this by offering free life skills groups through the Ancora Project.

Text: "Get back on top of things with CAP Life Skills. Starting Wednesday 31st Jan - meet for free light lunch at 12 then we run from 12.30 til 2.30pm.
Chadderton Community Church, Garforth Street, Oldham, OL9 6RW. 
Free 8 week group including lunch covering topics such as making your money go further, cooking on a budget, energy saving advice and much more. 
To register contact Ancora on 0161 669 5868 or email/text/call lisawoolfenden@caplifeskills.org 07917 686 654."

“This January we are launching the Budget not Blues campaign and releasing free resources to people and encouraging everyone in Oldham to make it their New Year’s Resolution to use our free tools to create themselves a personal budget and follow our five simple steps to improve their finances in 2024.”

1. Create a personal budget

A personal budget can be the key that unlocks the knowledge you need about your personal finances that you can then use to make positive changes. Download and print off CAP’s budgeting guide at capuk.org/budgeting to create your own personal budget. 

2. Balance your budget 

The next step is to see if your budget balances, which means to check you aren’t spending more money than you have coming in. Consider what you can cut back on, cut cost on by finding a cheaper alternative or what none essentials you can cut out completely to help you try and avoid living in your overdraft or falling into debt.

3. Maximise your income

The third step is to make sure you are maximising your income. Even if you’re in work, it’s always worth checking if you’re missing out on any benefits income that you are entitled to. Do a quick, free 10 minute check at capuk.org/calculator. A local CAP job club is a friendly and relaxed way to grow your confidence and skills if you’re looking to get back into employment. 

4. Seek free debt help (if required)

If you are already in debt that you’re struggling to manage and you’re finding it challenging to pay back what you owe then seek free debt advice. Visit the moneyhelper.org.uk website for a range of support. 

5. Attend a CAP service in your local area

The final step is to attend a CAP service in your local area to help you further improve your financial situation. You can find more information on all CAP’s free services in your area at: capuk.org/gethelp. Or contact Lisa Woolfenden from The Ancora Project on 07917 686654 or via email at lisawoolfenden@caplifeskills.org for more information. 

Christians Against Poverty

Christians Against Poverty (CAP) is a UK charity working with over 800 affiliated churches to deliver free debt help, budgeting guidance, support to find work, life skills groups and more. Visit capuk.org to find out more. CAP is committed to its services being accessible and inclusive. We support people from all faiths. We do not discriminate by age, gender reassignment, being married or in a civil partnership, being pregnant or on maternity leave, disability, race, religion or belief, sex or sexual orientation.