You’re not alone and we’re here to help
From energy bills and food shops to rent and transport, the rising cost of living has gone up and for many people, that’s making things feel tighter than ever.
At Northern Community Bank, we understand the pressure that rising costs can put on your household. We’re part of your community, and we’re here to support you with practical, down-to-earth guidance.
Take Back Control. One Step at a Time
We’ve pulled together some helpful guidance and support options to help you stretch your money further, feel more in control, and know where to turn if things feel overwhelming.
1. Check You’re Getting All the Support You’re Entitled To
You might be missing out on benefits or local schemes that could make a real difference. Try a free benefits check using entitledto.co.uk or turn2us.org.uk.
You could also speak to your local council, Citizens Advice, or our friendly team if you’re not sure where to start.
2. Create a Simple Budget
Knowing where your money is going each month can help you spot areas to cut back, even if just a little.
Write down or track:
- What comes in (wages, benefits, pensions)
- What goes out (bills, food, travel, subscriptions)
Free budget tools from MoneyHelper or budgeting apps can make it easier to keep track.
3. Tackle Priority Bills First
If you’re struggling to pay everything, focus on priority bills like rent or mortgage, council tax, and energy. Missing these can have more serious consequences so speak to the providers early.
Our team can help you work out the best steps forward.
4. Borrow Responsibly, If You Need To
When money is tight, borrowing might feel like the only option, but not all credit is created equal.
We offer a fair and affordable way to borrow, without high interest rates or hidden fees. And we’ll always check that repayments are manageable for you.
Find out more about borrowing with us here.
5. Build a Savings Buffer—Bit by Bit
Even saving small amounts can help give you breathing space when unexpected costs come up.
We make saving simple, flexible, and accessible so you can build up a safety net at your own pace.
Explore our savings accounts here
6. Don’t Struggle Alone
If things are getting on top of you, talk to someone. Whether it’s us, a free advice service, or a trusted friend or family member – reaching out is a sign of strength, not failure.
We’re always ready to listen, with no judgement, just practical support from a team who understands real-life money worries.
We’re Here for You
At Northern Community Bank, we don’t just talk about community – we live it. Whatever your circumstances, we’ll help you find a way forward that’s fair, realistic and puts you back in control.
You can always talk money with us.
