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Our Financial Well-being and Income team can support you with your financial well-being, not just by helping you sustain your contract with us by paying your rent but also providing support to help you acheive your financial well-being goals. For example, you may have a goal of being debt free or getting back into education. 

We know that sometimes it can be hard to talk about money, but we are committed to ensuring that everyone has the help and support that they need and deserve. Your neighbourhood income coach is on hand to support you and to signpost to relevant agencies as and when you need them. 

Our Financial Well-being and Income team can provide advice and support in the following areas:

  • Maximising income and reducing expenditure
  • Assist in making affordable agreements for rent arrears or any other debt with Hafod
  • Access to grants, hardship funds, food/fuel banks 
  • Signpost to debt agencies or Money Advisor for more specialist assistance
  • Support with financial well-being goals
  • Support with accessing mental health and other support services

    Meet our Financial Well-being and Income team

    Our Financial Well-being and Income team are committed to supporting you with your finances, offering you support and advice. The team cover a total of seven local authority areas and and are lead by Ceri Jones, Financial Well-being and Income Manager, and Lorraine Hughes, Senior Neighbourhood Income Coach. The team consists of Neighbourhood income coaches, Neighbourhood income assistants and Lucy Egan our Money Advisor.

    Who's the coach for my area?

    Laura WoodfordNeighbourhood Income CoachCardiff - Fairwater, Llanrumney, Rumney and St.Mellons 
    Samira LloydNeighbourhood Income CoachCardiff - Butetown, Canton, Llanedeyrn, Pentwyn, Roath and Whitchurch
    Ruth WinstanleyNeighbourhood Income Coach


    Clare PriceNeighbourhood Income CoachCardiff
    Cerrys BurnellNeighbourhood Income CoachBridgend - Aberkenfig, Brynmenyn, Bryncethin, Maesteg and Sarn
    Rachel BurtonNeighbourhood Income CoachBridgend - Cefn Glas and Pencoed
    Beth CanhamNeighbourhood Income CoachBridgend - Brackla, Coity, Litchard, North Cornelly and Pyle
    Catherine PrewettNeighbourhood Income CoachRhondda Cynon Taff
    Adele RichardsNeighbourhood Income CoachMerthyr Tydfil, Newport, Rhondda Cynon Taff and Torfaen
    Rebecca CoxNeighbourhood Income CoachVale of Glamorgan



    Stories from our customers

    Gareth's story

    Gareth has been a Hafod customer for a few years. During the pandemic he was unable to work and this resulted in his rent account falling to arrears. We worked with Gareth to make an affordable agreement and supported him in applying for a grant to help clear his rent arrrears which was successful and has helped in sustaining his contract.

    Gareth explained how this had alleviated the financial pressure he was facing and has helped his well-being with less worry. 

    Becky's story

    Becky recently contacted our Financial Well-being and Income team as she lost her job. The team supported Becky in applying for benefits, which was new to her. 

    They also made a referral for her to the local employability assistance programme and now Becky has secured better paid work. She was so grateful for the help and support she received during this period and is now more financially stable. 

    Hayley's story

    Hayley approached our team initially for a maintenance enquiry but she opened up about her debt and financial worries. The team supported Hayley with getting her utilities in order and addressing her debt concerns, signposting her to relevant agencies.

    Hayley had also enrolled on a course to enhance her digital skills, however due to a delay in benefits she was unable to afford the full cost so the team supported her in funding the course and transport. She has since secured a job in a local shop to support herself whilst completing her course.

    Mr and Mrs W's story

    Mr and Mrs W had fallen behind with their rent and were struggling to manage their property. Initially, they were reluctant to be open about the barriers they faced due to their fear of being judged, but through building mutual respect we were able to refer them for support and assist them in applying for relevant benefits and grants.

    Through support and setting small goals, their property's condition has dramatically improved. The couple are no longer at risk of losing their home and there has been a significant improvement in their mental health and general well-being.