Improving financial inclusion and capability in social housing

During the current period of higher unemployment, reduced job vacancies and cuts in welfare benefits, helping tenants to manage their finances and cope with more restricted budgets is becoming increasingly important – both for the households themselves and for social landlords to avoid increased levels of rent arrears and failed tenancies. Financial hardship is likely to increase the demand for debt counselling services. At the same time the income streams of housing providers are less predictable, potentially resulting in less funding for new schemes, such as those tackling financial inclusion and worklessness. So it is vital that such work is as cost-effective as possible. (CIH, 2011)

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