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Debt and money worries can have an overwhelming impact on your overall wellbeing. So, we’ve teamed up with the free, confidential debt advice service, PayPlan.

Working in healthcare, you won’t necessarily work a normal ‘9–5’. PayPlan respect your schedule and will talk to you at a time that’s best for you. They can help with different types of debt, including credit cards, loans, utility arrears, mortgage arrears and council tax arrears.

Speaking with PayPlan will not affect your credit score. They will explain the options available to you, so you can decide how to deal with your situation. 

Visit the RCN Foundation portal on the PayPlan website to self-refer.

There are also a number of other providers that offer financial advice and support: 

     PayPlan contact options

Citizens Advice

Calls are free from mobiles and landlines to Citizens Advice national helplines:

  • Adviceline England: 0800 144 8848
  • Adviceline Wales: 0800 702 2020
  • Advice for Scotland: 0800 028 1456
  • Advice for Northern Ireland: 0800 915 4604

For help or advice about claiming Universal Credit contact the Help to Claim Service. They can guide you through the claim and discuss with you if you’d be eligible for an ‘Advance Payment’ if you need money quickly during the early stage of your claim.

  • Help to Claim England: 0800 144 8 444
  • Help to Claim Scotland: 0800 023 2581
  • Help to Claim Wales: 0800 0241 220
  • Universal Credit service centre Northern Ireland: 0800 012 1331

    Thank you so much for believing in me

    Maria, a former nurse, shares her experience with PayPlan

    "Being a victim of domestic and economic abuse, I was left with debts I didn’t run up myself but were in my name.  PayPlan were patient and understanding and said they would do their best to help and support me through this. It took just over a year, and now all my credit card debts have been written off. I am so grateful to PayPlan for this, and I can’t thank them enough. I can now have a good financial future with no restrictions."

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    Financial Wellbeing and Money Management

    Hear from Antony Price, Partnership Manager at PayPlan, with some top tips to help with money management support and financial wellbeing. 

    PayPlan's money saving tips for healthcare staff

    The team at PayPlan are providing specialised tips for those experiencing hardship in a series of articles about money management. Read them here:

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    How can I improve my financial health in the New Year?

    Whilst many people use the New Year to kick start a health plan and look after their bodies, our debt advice partners, PayPlan, explain how the New Year can also be the perfect opportunity to review your financial health.

    Top tips

    Our top five tips to help you save money

    From childcare costs to DBS checks, the RCN Foundation Benevolent Grants Service Team share their tips to help you save. 

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    Could you be paying less council tax?

    Our debt advice partners, PayPlan, advise that depending on your circumstances, you may be able to receive a discount or not pay it at all.

    PayPlan Blog

    Are you missing out on unclaimed benefits?

    The UK benefits system can be complex, and it may feel overwhelming to use it for the first time. Read more from our debt advice partner, PayPlan, and check if you are missing out on unclaimed benefits.

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    Will my partner’s debt affect my credit score?

    This is a question that our debt advice partner, PayPlan, hear often. Read more to find out everything you need to know when it comes to credit scores.

     

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    How to look after your mental health when you’re in debt

    Our free debt advice partner, PayPlan, share tips on coping with the mental health impacts caused by debt.

    PayPlan tips for fun on a budget

    Eight ways to have fun on a budget

    The cost-of-living crisis has made leisure activities more financially stressful than usual, particularly for families on a budget.

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    11 financial support options for carers

    If you support a family member or partner who is unwell or disabled, financial help is available.

    Everything you need to know about loan sharks

    With just one unexpected bill, people can quickly find themselves trapped in a vicious cycle of debt. Our debt advice partners, PayPlan, share their top loan-shark-spotting tips.

    Watch our PayPlan Q&A

    Ruth Samuel, the RCN Foundation Benevolent Grants Manager, chats to Antony Price of PayPlan about the emotional and practical support their team provides. For help, give them a call on their free helpline 0800 280 2816.

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    Signposting support

    Signposting Hub

    A directory of help available to you, ranging from counselling to gambling support

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    Additional hardship support

    We've put together a list of additional organisations across the UK that are here to support you

    Emotional support

    Emotional wellbeing and mental health support

    1 in 4 people have mental health problems, but most don’t get the help we need. We've put together a list of organisations there to help whenever you might need

    Career support

    Career and job-seeking support

    Whether you're looking for careers information, or advice and guidance following being dismissed, support is available

    Long term support

    Long-term condition and disability support

    Networks, guidance and financial support for those with lived experience of disability and/or long-term condition

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    Frequently Asked Questions

    Hardship grants