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Financial Advice Guide [Revised - September '03]  

Finance - Does your bank or building society confuse you with complicated terms and conditions, red tape and bureaucracy? Need advice about your pension or benefits?

Just follow the simple hints and tips below:

Banking - Having your pension and or benefits paid directly into a bank or building society can be a nightmare. Complicated interest rates, penalties for becoming overdrawn, miscellaneous charges...
There is a solution! Simply don't allow any third party institutions access to your money. Hide the lot under your mattress, obviously using a waterproof purse to protect against urine soiling.
Sit back and enjoy the benefit of instant access free of charge and without the hassle of a trip to the bank.   

Benefits - Did you know that your pension could be 'topped up' to a level that would allow you to live on, rather than below, the poverty line?
The government would obviously prefer you to live on the savings that you have worked hard to earn throughout your life and may refuse any benefits application on the grounds that your banking or savings account is too high...
There is a solution! Exercise your right to use the secure 'mattress method'.
See 'Banking' above for further details. 

Budgeting - It can be difficult to make ends meet when you are dependant on government handouts. Paying household bills and the burden of rising food prices can be a particular problem.
However, as always, there is a solution! Refuse to pay your council tax.
You will be offered food and accommodation at Her Majesties pleasure, and better still, absolutely free from crippling bills.
Alternatively shoplift your weekly food requirements. If caught simply say that your memory is 'not what it used to be' and you just forgot to pay. Follow up by faking a heart attack to use the ambulance service as a free taxi ride home.