The credit crunch and rising cost of living are issues that affect us all – from the mortgage lenders and banks, right down to mums doing the weekly shop.

Welfare reforms, including universal credit are also upon us with further changes in the pipeline that will affect the finances of people and families.

Pay freezes, cuts and job losses are all playing their part in putting pressure on finances.

Financial stress and worry can have a serious knock on effect on health and relationships.

Budgeting, debt & finance is now a way of life and understanding these subjects can be a positive step in the right direction for all age groups.

Advice and support in dealing with financial and associated issues is arguably needed like never before.