Money Advice, Education & Training Services

Financial exclusion costs money, exacerbates poverty, social isolation, and homelessness.

It’s directly linked to mental health problems, family breakdown and homelessness and can work against other interventions designed to improve well-being.

PennysmartCIC aims to reduce financial exclusion and poverty by delivering money, debt and benefits advice, money education into communities, schools and workplaces and training for staff and volunteers.

We achieve this by working with a diverse variety of community facing partners, trusted intermediaries who help us to reach the most vulnerable and excluded so they can benefit from our specialist services

Who are Pennysmart?

 Pennysmart Community Interest Company is a social enterprise that began as a pilot project in 2009.

We use our money advice skills, knowledge and expertise to enable the most vulnerable and excluded people in our communities to access their full entitlements, exercise their rights, improve their money skills, take control and increase their overall quality of life and sense of well-being.

Currently working across Wales and parts of England, we generate income by contracting with community-facing organisations such as local authorities, social landlords and third sector groups to deliver specialist money, debt and benefits advice services.

We also work within those communities running fun, short ‘Bite Size’ money skills sessions, and training for staff and volunteers and we promote financial capability and related initiatives via networks, newsletters and the North Wales Financial Capability Forum quarterly meetings in the region.


Service access criteria:
Benefits advice and assessment
Debt counselling
Financial advice and support
Welfare rights advice
Additional needs catered for:
Key words - separate with a comma: Money Advice, Money training