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• Making

  will need to make a will so that arrangements for the children can be made if either one or both parents die it may be possible to reduce the amount of tax payable on the inheritance if advice is taken

• Challenging what the CMS says you should get

  . That letter is called a ‘mandatory reconsideration notice’. Keep it safe - you’ll need it if you want to appeal. You’ll get 2 copies of the notice so you can send one with your appeal.  If the CMS changes its

• How much ESA you can get

  should talk to an adviser. If you get a personal or work pension If your pension is more than £85 each week before tax, you’ll get less ESA. To check how your pension will affect your ESA: Work out how

• Getting paid less than minimum wage or living wage

  and whether you’re an apprentice. These are the National Minimum Wage rates: About you Name of wage Hourly rate (before tax) Age 21 or over National Living Wage £11.44 Age 18-20 National Minimum Wage

• Making a plan to pay your debts

  . They include things like: rent and mortgage gas and electricity council tax court fines Check if you have any priority debts before dealing with your credit debts. If you’re struggling to pay debts like

• Proving your right to work in the UK

  don’t have a passport You’ll need to show your employer 2 different documents instead. You should show one document with your name and National Insurance number on it - this must be from the government

• Check what fees bailiffs can charge

  ’) Fixed fee £190 Percentage extra you’II pay for debts over £1,000 7.5 % Type of fees       If you didn't make or didn't keep an agreement                                        (called ‘enforcement 2

• Getting benefits if you got ill or were injured at work

  Credit Housing Benefit and Council Tax Reduction income-based Jobseeker’s Allowance (JSA) income-related Employment and Support Allowance (ESA) Income Support Constant Attendance Allowance

• Selling a home

  , community charge/council tax, local facilities and fixtures and fittings. These details can then be given to potential buyers, either before they call, or at the time they view. You could also consider

• Buying a home

  to spend on a property, you need to be sure you will have enough money to pay for all the additional costs. These include:- survey fees valuation fees Stamp Duty Land Tax if you’re buying in England Land