Keeping on top of your finances
We understand that it can sometimes be a challenge to manage your money and make sure you pay all your bills on time.
Drawing up a budget for you and your family is a good way of making sure that everything goes smoothly.
Struggling to budget? We can help
If you're concerned that you may be struggling to pay your bills or getting into debt, it is very important that you ask for help as soon as possible.
The good news is that there is plenty of help available. As well as RBH there is Rochdale Council’s Advice Service and the Citizens Advice Bureau.
There are always options if you act positively and get in touch with the people who are there to help you.
This section of our website has information on practical ways that we can help you boost your income and manage your finances. If you need more advice, please don't hesitate to get in touch with us - we're here to help!
Keeping the bills down
Cheaper Gas and Electricity
We will do everything we can to help our customers live in homes that are properly heated without the worry of getting into debt to pay for this.
Fuel bills are a major expense for most households but we can offer you advice to help you keep your bills down.
Many people can save money simply by changing the tariffs they are on. Checking if you can save money this way is a very quick process and we can help you.
For more information contact us on freephone 0800 027 7769 or email firstname.lastname@example.org.
Other ways to cut your bills
Here are some ways that all of us can try to save money on our gas and electricity charges.
- Adjust your thermostat. Just by reducing your room temperature by one degree you could save ten per cent off your heating bill.
- Remember to turn the lights off when you leave the room.
- Close curtains to stop heat escaping and tuck them behind the radiator to make sure the heat is in the room not up the window.
- Only boil as much water as you need, but remember to cover the element in the kettle.
- Use energy saving light bulbs. They last around ten times longer than ordinary bulbs and can save you £40 over the lifetime of the bulb.
- Don’t leave things on standby and avoid leaving electrical items charging unnecessarily
- Defrost freezers regularly and don’t leave the fridge door open longer than necessary.
- If you manage your energy account online, you can check your energy usage based on your meter readings. Most suppliers offer devices to help monitor your energy usage.
- Most energy suppliers have energy efficiency products to buy on line.
- When shopping for electrical goods always look for the energy saving recommended logo. It’s your guarantee that these products have the strict criteria on energy efficiency. They’ll cost less to run and help you to reduce your carbon emissions.
- Energy saving electrical goods such as: low energy lighting, energy saving kettles, and clever devices that ensure your TV’s/ PC’s and all peripherals are automatically switched off.
As your home does not come with automatic contents insurance we strongly advise you to take out cover for peace of mind.
There are many companies who provide household insurance but we believe that our scheme offers excellent value for money. It gives your belongings protection against fire, theft, vandalism or water damage such as from burst pipes.
Our special household contents insurance scheme is arranged with Aviva and is only available to RBH tenants. You can pay regular installment along with your rent making it very convenient.
Find out more with our advice leaflet and application form: RBH Home Contents Insurance.pdf [pdf] 329KB
What is covered?
The insurance will cover most of your household goods and contents including pedal cycles and computers when they are in your home.
Your household goods and contents are covered against loss or damage caused by specific events such as theft, fire and flood. The insurance also covers keys, freezer contents and your own legal liability to the public, cost of alternative accommodation and wedding and Christmas gifts.
The policy does not cover maintenance, wear and tear, anything which happens gradually, electrical, mechanical or electronic breakdown, rot, radioactive contamination, sonic bangs, pollution or contamination, date change or computer virus, war risks and terrorism.
If you leave your home unoccupied for more than 30 days in a row, lend your home or receive paying guests into your home or use your home or its contents for trade, professional or business purposes some covers will be restricted or will not apply. You should read your policy carefully and make sure it meets your needs
The policy insures your contents on a 'new-for-old' basis, meaning they would be replaced as new if destroyed by an event insured by the policy.
You should add up the value of:
- Items at their current replacement cost as new, other than clothing and household linen and carpets over five years old
- Clothing, household linen and carpets over five years old at their current replacement cost as new, less an allowance for wear and tear.
It is important that you do not undervalue your contents otherwise the insurer will not pay the full value of your claim.
Special low, minimum sums insured
The lowest amount that can be insured is:
- £6000 for people over 60
- £9000 for all other people
Most people find that their household contents are worth more than they think.
Please read the section on ‘New-for-Old’ insurance and then use our DIY valuation form to help value the contents of your home: DIYvaluationform.doc [doc] 41KB
Cost of insurance
Download our insurance premiums here: insurancepremiums.pdf [pdf] 75KB
If you wish to pay fortnightly or monthly please contact us on 0800 027 7769
How to apply
Request and complete an application form by calling 0800 027 7769.
Keeping up the payments
- To make sure you are always covered, you must keep to your payments up to date.
- Failure to keep you payments up to date could affect claim settlement and may lead to the cancellation of your insurance.
- For payment enquires please contact us on freephone 0800 027 7769.