New rates for wages, benefits and tax came into force in April along with changes to pensions and savings.

Keeping on top of new rules that can affect your finances is vital to managing your money. This can be complicated and if you’re not sure whether you’re affected or how, Citizens Advice can help.

There are increases to the National Living Wage and Minimum Wage, and to statutory maternity pay.

There are reductions for some new claimants of Universal Credit and ESA (for people unable to work) and child tax credits will be limited to two children. The income tax personal allowance and higher rate tax threshold have risen. Council Tax has also increased.

There are changes to pensions too. You can use some of a defined contribution pension to pay for financial advice. The state pension rose by 2.5%, and the amount you can save in an ISA increased.

Check out details online at www.citizensadvice.org.uk

Free, confidential advice and help is available from South Lakes Citizens Advice on any aspect of debt, consumer problems, benefits, housing, employment or any other problems.

We have various outlets across South Lakeland and can also give advice over the phone – telephone 03444 111 444 for an appointment and help, 015394 46464 for debt and on-going enquiries. South Lakes Citizens Advice is a registered charity, No: 1118656 and company limited by guarantee, No: 6113551. FRN: 617574