Citizens Advice Bureau

 CAB is a network of independant chartities

 that help people resolve their money, legal

 and other problems by providing

 information and advice and by influencing. 

 policymakers. Below is a list of local

 services.

 For opening hours and further information

 please visit www.citizensadvice.org.uk

 Your local CAB:

 Crediton: 01363 778 410

 Exeter: 0844 499 4101

 Newton Abbot: 01626 203 141

 South Hams: 01803 862392

 Tavistock: 01822 572 342

 Okehampton: 01837 52574

 Princetown Drop-in Centre

 (Appointments only - every 3rd Wednesday)

 Call Okehampton CAB for appointment

 or call: 0759 458 8983

 Credit Unions

 Creadit Unions give manageable loans

 and provide savings schemes. details

 of your local Credit Union are available

 from your CAB

 Exeter Credit Union

 01392 466 385 or 01392 250 028

 www.exetercreditunion.org.uk

 Devonlane Credit Union

 01548 857 868

 www.devonlane.co.uk

 Princetown Credit Union Drop in centre

 Every Wednesday between 11am - 1pm

 (Contact Devonlane Credit Union)

 South West Pound provides advice on

 budgeting, loans, savings and other services.

 Freephone 0800 316 9296

 www.devonpound.co.uk

 Devon County Council

 DDC's Trading Standards will help you

 avoid loan sharks and problems with debt.

 Trading Standard Confidential is an

 anonymonous tipp-off hotline

 01392 381 380. Where you can report

 illegal trading practices, or get advice if

 you're the victim of a scam.

 Loan Shark Confidential Hotline

 0300 1234 247. For help and advice if you

 think you'er the victem of a 'loan shark'

 Consumer Direct on: 0845 404 05 06

 For general consumer advice

 www.devon.gov.uk/trading_standards

 For advice on debts, evicition and benefits

 contact Community Legal Service Direct

 on: 0845 345 43 45

 or visit www.clsdirect.org.uk

 Care Direct

 Care Direct telephone advice service was established six years

 ago to assist pensioners out of poverty by helping them access

 benefits and care support.

 Care Direct offers advice on, Attendance Allowance, Disability

 Living Allowance, Carers Allowance and Pension Credits.

 Care Direct also help, advice and information about social

 care services in Devon.

 Contact Care Direct on: 0845 155 1007

 www.devon.gov.uk/caredirect.h

 Devon Walfare Rights

 Ensuring families with children with special needs get thecorrect

 benefits to which they are entitled.

 Contact Devon Welfare Rights Unit on: 01392 274 869

 Monday to friday 9:30am - 5:00pm

 (24hr answerphone)

 www.dwru.org

 Money-Saving Hints & Tips

 Here some money saving sources of help and advice

 Benefit Advice

 If you are on a low income or you have children, you are probably eligible for TAX CREDITS

 You can get a claim form by phoning the Tax credit Helpline on: 0845 300 3900 or you can claim online at   

 www.taxcredits.inlandrevenue.gov.uk

 Benefit Advice

 If you are on a low income you may qualify for COUNIL TAX BENEFITS which is available to owners/occupiers as well as people living  

 in rented property. If you want to apply for an application form go to www.devon.gov.uk/district_councils

 BBC Devon

 the BBC's local website has devoted space to find ways of economising - whether it's using energy saving light bulbs or re-using tea  

 bags. a great site to check out!

 www.bbc.co.uk/devon

 Money-Saving Expert

 This is the father of all money-saving websites and can help finding freebies and save you money.

 www.moneysavingexpert.com

 This Is Money

 An easy-to-use website full of financial advice including a section on bargains versus rip-offs and a useful jargon buster.

 www,thisismoney.co.uk

 Frugal Living

  Frugal Living looks at cost cutting in the home and features food and recipes, house keeping, days out, finance, making a few pounds, 

 finding freebies and tips on saving.

 www.frugal.org.uk

 RE4D

  RE4D is a project which supports the growth of renewable energy.

 it offers advice and grants for individuals and organisations, as well as training and support for suppliers.

 www.regensw.co.uk

 Love Food, Hate Waste!

 National research has shown that a THIRD of all the food we buy ends up being thrown in the bin.

 Successfully tackling the food waste issue could mean the energy equivalent of taking 1 in 5 cars off the roads - and saving you 

 hundreds of pounds in the average household.

 Devon Council is offering a FREE booklet full of practical advice on reducing food waste.

 For your FREE copy call 0845 450 2477

 www.recycledevon.org/lovefood

 One Man's Trash is Another Man's Treasure

 Freecycle is an online community swap shop. There are over 17,000 members around Devon alone and membership is FREE.

 Find your local community by clicking on browse groups at www.freecycle.org

 Reduce Your Utilities Bills

 Try the comparison site USWITCH, it's a FREE, impartial online and phone based comparison and switching service that helps 

 customers compare prices on a range of services including gas, electricity, home phone, broaddand providers and personal finance 

 products. www.uswitch.com

 Business Advice

 Business Link offers general business advice and information on grants and financial matters.

 www.bldc.co.uk

 If you think your business may be eligible for a grant, visit the online search facility for South West businesses on

 www.southwestrda.ord.uk

 Wessex Reinvestment Trust - offers information on loans for small businesses and social enterprises in rural areas at

 www.wessert.co.uk

 South west Investment Group - investment finance for businesses throughout the South West at

 www.southwestinvestmentgroup.co.uk

 Cutting Your Transport Costs

 Travlewise for walks, cycling and public transport.

 www.devon.gov/travle_awareness or www.travelwise.org.uk

 Car Share

 Car Share is a hightly effective ways of saving money is car sharing.

 Devon County Council has set up a website which enables people to get in contact with each other who are making similar journeys at 

 similar times.

 www.carsharedevon.com

 Parking

 If you do have to take your car, you can save money on parking by using a park and ride service or even free parking.

 see more details at www.devon.gov.uk/index/transport