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Managing your money - GamCare
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fa-times"></i></button> </div> </div> </div> </section> <section class="c-section-breadcrumbs-top"> <div class="container"> <nav class="c-breadcrumbs" typeof="BreadcrumbList" vocab="https://schema.org/"> <!-- Breadcrumb NavXT 7.3.1 --> <span property="itemListElement" typeof="ListItem"><a property="item" typeof="WebPage" title="Go to Home." href="https://www.gamcare.org.uk" class="home"><span property="name">Home</span></a><meta property="position" content="1"></span><i class="fas fa-caret-right"></i><span property="itemListElement" typeof="ListItem"><a property="item" typeof="WebPage" title="Go to Recovery toolkit." href="https://www.gamcare.org.uk/self-help/" class="post post-page"><span property="name">Recovery toolkit</span></a><meta property="position" content="2"></span><i class="fas fa-caret-right"></i><span class="post post-page current-item">Managing your money</span> </nav> </div> </section> <section class="c-section-page-content"> <div class="container"> <div class="row justify-content-between"> <main class="col-12 col-md-8"> <article> <h1 class="mb-15">Managing your money</h1> <div class="o-flex-blocks"> <div class="o-text-content s-editor " style=" max-width:100%; "> <p><span data-contrast="auto">Gambling can lead to financial problems. </span><span data-contrast="none">If you are facing financial difficulties because of your own or someone else’s gambling, getting your finances under control is an important step towards recovery.</span><span data-ccp-props="{"201341983":0,"335551550":1,"335551620":1,"335559739":160,"335559740":259}"> </span></p> <p><span data-contrast="auto">Gambling should never be viewed as a way to make money or overcome financial difficulties. The longer you gamble, the more you will lose. </span><span data-contrast="auto">Instead, there are practical steps you can take to get you through tougher times, a</span><span data-contrast="auto">nd ways to protect your loved ones from financial harm too. </span></p> <p><span data-contrast="auto">Below are a series of factsheets created by our </span><span data-contrast="none"><a href="#MGS">Money Guidance Service</a></span><span data-contrast="auto"> team to help you manage your money. There is a wealth of information here, plus links to other organisations that can help. </span><span data-contrast="auto">Click on any of the underlined links to access further support from GamCare or other agencies.</span><span data-ccp-props="{"201341983":0,"335559739":160,"335559740":259}"> </span></p> <p><em><span class="TextRun SCXW140940258 BCX0" lang="EN-GB" xml:lang="EN-GB" data-contrast="auto"><span class="NormalTextRun SCXW140940258 BCX0">Please note</span><span class="NormalTextRun SCXW140940258 BCX0">:</span></span><span class="TextRun SCXW140940258 BCX0" lang="EN-GB" xml:lang="EN-GB" data-contrast="auto"><span class="NormalTextRun SCXW140940258 BCX0"> GamCare is not responsible for content on external websites</span><span class="NormalTextRun SCXW140940258 BCX0">. T</span><span class="NormalTextRun SCXW140940258 BCX0">he information </span><span class="NormalTextRun SCXW140940258 BCX0">supplied</span><span class="NormalTextRun SCXW140940258 BCX0"> may change. </span><span class="NormalTextRun SCXW140940258 BCX0">GamCare</span><span class="NormalTextRun SCXW140940258 BCX0"> may occasionally update and grow these factsheets.</span></span></em></p> </div> <div class="o-text-content s-editor expanding-content"> <h4>Factsheets:</h4> <div class="section"> <div class="expander d-flex justify-content-between"> <h4>Tracking your spending</h4> <div class="icons"> <i class="fa fa-plus"></i> <i class="fa fa-minus"></i> </div> </div> <div class="content"> <p><span data-contrast="auto">One of the first steps to getting in control of your finances is to understand and track your</span><span data-ccp-props="{"201341983":0,"335559739":0,"335559740":240}"> </span><span data-contrast="auto">spending. Here are our tips for keeping a closer eye on your outgoings.</span><span data-ccp-props="{"201341983":0,"335559739":160,"335559740":259}"> </span></p> <p><a href="https://d1ygf46rsya1tb.cloudfront.net/prod/uploads/2023/03/J055641-Gamcare-Factsheet-1-WEB-1.pdf" target="_blank" rel="noopener">Open PDF</a></p> <div class="embedpress-document-embed ose-document ep-doc-d7fcf3f3b136871a304a78937b86779c" style="width: 400px;height: 550px; max-width:100%; display: block"> <div> <iframe title="J055641 Gamcare Factsheet 1 WEB" allowfullscreen="true" mozallowfullscreen="true" webkitallowfullscreen="true" style="width: 400px;height: 550px; max-width:100%;" src="https://d1ygf46rsya1tb.cloudfront.net/prod/uploads/2023/03/J055641-Gamcare-Factsheet-1-WEB-1.pdf" data-emsrc="https://d1ygf46rsya1tb.cloudfront.net/prod/uploads/2023/03/J055641-Gamcare-Factsheet-1-WEB-1.pdf" data-emid="embedpress-pdf-shortcode" class="embedpress-embed-document-pdf embedpress-pdf-shortcode"></iframe> </div> </div> </div> </div> <div class="section"> <div class="expander d-flex justify-content-between"> <h4>Taking control of your gambling spend</h4> <div class="icons"> <i class="fa fa-plus"></i> <i class="fa fa-minus"></i> </div> </div> <div class="content"> <p><span class="TextRun SCXW54251880 BCX0" lang="EN-GB" xml:lang="EN-GB" data-contrast="auto"><span class="NormalTextRun SCXW54251880 BCX0">A complete break is usually the best </span><span class="NormalTextRun SCXW54251880 BCX0">way</span><span class="NormalTextRun SCXW54251880 BCX0"> to take control of your gambling. </span><span class="NormalTextRun SCXW54251880 BCX0">Alternatively, </span><span class="NormalTextRun SCXW54251880 BCX0">there are tools </span><span class="NormalTextRun SCXW54251880 BCX0">to help </span><span class="NormalTextRun SCXW54251880 BCX0">you </span><span class="NormalTextRun SCXW54251880 BCX0">reduce your gambling</span><span class="NormalTextRun SCXW54251880 BCX0">.</span><span class="NormalTextRun SCXW54251880 BCX0"> This factsheet explains the options available.</span></span><span class="EOP SCXW54251880 BCX0" data-ccp-props="{"201341983":0,"335559739":0,"335559740":240}"> </span></p> <p><a href="https://d1ygf46rsya1tb.cloudfront.net/prod/uploads/2024/09/J055641-Gamcare-Factsheet-2-WEB.pdf">Open PDF</a></p> <div class="embedpress-document-embed ose-document ep-doc-d7fcf3f3b136871a304a78937b86779c" style="width: 400px;height: 550px; max-width:100%; display: block"> <div> <iframe title="J055641-Gamcare-Factsheet-2-WEB" allowfullscreen="true" mozallowfullscreen="true" webkitallowfullscreen="true" style="width: 400px;height: 550px; max-width:100%;" src="https://d1ygf46rsya1tb.cloudfront.net/prod/uploads/2024/09/J055641-Gamcare-Factsheet-2-WEB.pdf" data-emsrc="https://d1ygf46rsya1tb.cloudfront.net/prod/uploads/2024/09/J055641-Gamcare-Factsheet-2-WEB.pdf" data-emid="embedpress-pdf-shortcode" class="embedpress-embed-document-pdf embedpress-pdf-shortcode"></iframe> </div> </div> </div> </div> <div class="section"> <div class="expander d-flex justify-content-between"> <h4>Generating additional income</h4> <div class="icons"> <i class="fa fa-plus"></i> <i class="fa fa-minus"></i> </div> </div> <div class="content"> <p><span class="TextRun SCXW85983348 BCX0" lang="EN-GB" xml:lang="EN-GB" data-contrast="auto"><span class="NormalTextRun SCXW85983348 BCX0">This factsheet will help you to check </span><span class="NormalTextRun SCXW85983348 BCX0">if you are </span><span class="NormalTextRun SCXW85983348 BCX0">entitled to</span><span class="NormalTextRun SCXW85983348 BCX0"> any </span><span class="NormalTextRun SCXW85983348 BCX0">additional</span><span class="NormalTextRun SCXW85983348 BCX0"> benefits</span><span class="NormalTextRun SCXW85983348 BCX0">. You</span><span class="NormalTextRun SCXW85983348 BCX0"> can </span><span class="NormalTextRun SCXW85983348 BCX0">also explore o</span><span class="NormalTextRun SCXW85983348 BCX0">ther ways</span> <span class="NormalTextRun SCXW85983348 BCX0">to increase your income</span><span class="NormalTextRun SCXW85983348 BCX0"> and access financial support. </span></span></p> <p><a href="https://d1ygf46rsya1tb.cloudfront.net/prod/uploads/2023/03/J055641-Gamcare-Factsheet-3-WEB.pdf" target="_blank" rel="noopener">Open PDF</a></p> <div class="embedpress-document-embed ose-document ep-doc-d7fcf3f3b136871a304a78937b86779c" style="width: 400px;height: 550px; max-width:100%; display: block"> <div> <iframe title="J055641 Gamcare Factsheet 3 WEB" allowfullscreen="true" mozallowfullscreen="true" webkitallowfullscreen="true" style="width: 400px;height: 550px; max-width:100%;" src="https://d1ygf46rsya1tb.cloudfront.net/prod/uploads/2023/03/J055641-Gamcare-Factsheet-3-WEB.pdf" data-emsrc="https://d1ygf46rsya1tb.cloudfront.net/prod/uploads/2023/03/J055641-Gamcare-Factsheet-3-WEB.pdf" data-emid="embedpress-pdf-shortcode" class="embedpress-embed-document-pdf embedpress-pdf-shortcode"></iframe> </div> </div> </div> </div> <div class="section"> <div class="expander d-flex justify-content-between"> <h4>Priority expenses</h4> <div class="icons"> <i class="fa fa-plus"></i> <i class="fa fa-minus"></i> </div> </div> <div class="content"> <p><span class="TextRun SCXW262947207 BCX0" lang="EN-GB" xml:lang="EN-GB" data-contrast="auto"><span class="NormalTextRun SCXW262947207 BCX0">A</span><span class="NormalTextRun SCXW262947207 BCX0">n overview of </span><span class="NormalTextRun SCXW262947207 BCX0">the </span><span class="NormalTextRun SCXW262947207 BCX0">essential expenses</span><span class="NormalTextRun SCXW262947207 BCX0"> to consider </span><span class="NormalTextRun SCXW262947207 BCX0">within </span><span class="NormalTextRun SCXW262947207 BCX0">your</span><span class="NormalTextRun SCXW262947207 BCX0"> budget</span><span class="NormalTextRun SCXW262947207 BCX0">. We also offer tips for </span><span class="NormalTextRun SCXW262947207 BCX0">getting help with some expenses </span><span class="NormalTextRun SCXW262947207 BCX0">– i</span><span class="NormalTextRun SCXW262947207 BCX0">f </span><span class="NormalTextRun SCXW262947207 BCX0">you are</span><span class="NormalTextRun SCXW262947207 BCX0"> behind with payments or struggling to afford the basics. </span></span></p> <p><a href="https://d1ygf46rsya1tb.cloudfront.net/prod/uploads/2023/03/J055641-Gamcare-Factsheet-4-WEB.pdf" target="_blank" rel="noopener">Open PDF</a></p> <p><span class="EOP SCXW262947207 BCX0" data-ccp-props="{"201341983":0,"335559739":0,"335559740":240}"> <div class="embedpress-document-embed ose-document ep-doc-d7fcf3f3b136871a304a78937b86779c" style="width: 400px;height: 550px; max-width:100%; display: block"> <div> <iframe title="J055641 Gamcare Factsheet 4 WEB" allowfullscreen="true" mozallowfullscreen="true" webkitallowfullscreen="true" style="width: 400px;height: 550px; max-width:100%;" src="https://d1ygf46rsya1tb.cloudfront.net/prod/uploads/2023/03/J055641-Gamcare-Factsheet-4-WEB.pdf" data-emsrc="https://d1ygf46rsya1tb.cloudfront.net/prod/uploads/2023/03/J055641-Gamcare-Factsheet-4-WEB.pdf" data-emid="embedpress-pdf-shortcode" class="embedpress-embed-document-pdf embedpress-pdf-shortcode"></iframe> </div> </div> </span></p> </div> </div> <div class="section"> <div class="expander d-flex justify-content-between"> <h4>Managing other household expenses</h4> <div class="icons"> <i class="fa fa-plus"></i> <i class="fa fa-minus"></i> </div> </div> <div class="content"> <p>This factsheet looks at further expenses to include when planning your budget. From costs associated with children and health, to entertainment and insurance, planning ahead can make them easier to manage.</p> <p><a href="https://d1ygf46rsya1tb.cloudfront.net/prod/uploads/2023/03/J055641-Gamcare-Factsheet-5-WEB.pdf" target="_blank" rel="noopener">Open PDF</a></p> <div class="embedpress-document-embed ose-document ep-doc-d7fcf3f3b136871a304a78937b86779c" style="width: 400px;height: 550px; max-width:100%; display: block"> <div> <iframe title="J055641 Gamcare Factsheet 5 WEB" allowfullscreen="true" mozallowfullscreen="true" webkitallowfullscreen="true" style="width: 400px;height: 550px; max-width:100%;" src="https://d1ygf46rsya1tb.cloudfront.net/prod/uploads/2023/03/J055641-Gamcare-Factsheet-5-WEB.pdf" data-emsrc="https://d1ygf46rsya1tb.cloudfront.net/prod/uploads/2023/03/J055641-Gamcare-Factsheet-5-WEB.pdf" data-emid="embedpress-pdf-shortcode" class="embedpress-embed-document-pdf embedpress-pdf-shortcode"></iframe> </div> </div> </div> </div> <div class="section"> <div class="expander d-flex justify-content-between"> <h4>Controlling your credit rating</h4> <div class="icons"> <i class="fa fa-plus"></i> <i class="fa fa-minus"></i> </div> </div> <div class="content"> <p>If gambling has caused financial problems for you or a loved one this can affect your credit scores. This factsheet explains how to take control of your credit situation.</p> <p><a href="https://d1ygf46rsya1tb.cloudfront.net/prod/uploads/2024/09/J055641-Gamcare-Factsheet-6-WEB-1-1.pdf">Open PDF</a></p> <div class="embedpress-document-embed ose-document ep-doc-d7fcf3f3b136871a304a78937b86779c" style="width: 400px;height: 550px; max-width:100%; display: block"> <div> <iframe title="J055641-Gamcare-Factsheet-6-WEB (1) (1)" allowfullscreen="true" mozallowfullscreen="true" webkitallowfullscreen="true" style="width: 400px;height: 550px; max-width:100%;" src="https://d1ygf46rsya1tb.cloudfront.net/prod/uploads/2024/09/J055641-Gamcare-Factsheet-6-WEB-1-1.pdf" data-emsrc="https://d1ygf46rsya1tb.cloudfront.net/prod/uploads/2024/09/J055641-Gamcare-Factsheet-6-WEB-1-1.pdf" data-emid="embedpress-pdf-shortcode" class="embedpress-embed-document-pdf embedpress-pdf-shortcode"></iframe> </div> </div> </div> </div> <div class="section"> <div class="expander d-flex justify-content-between"> <h4>Debt advice and support</h4> <div class="icons"> <i class="fa fa-plus"></i> <i class="fa fa-minus"></i> </div> </div> <div class="content"> <p>Don’t ignore debt problems. This factsheet shares tips on dealing with debt and what to do if you have problems with loan sharks. It also explains where to find debt advice and support.</p> <p><a href="https://d1ygf46rsya1tb.cloudfront.net/prod/uploads/2023/09/J055641-Gamcare-Factsheet-7-WEB-1v2.pdf" target="_blank" rel="noopener">Open PDF</a></p> <div class="embedpress-document-embed ose-document ep-doc-d7fcf3f3b136871a304a78937b86779c" style="width: 400px;height: 550px; max-width:100%; display: block"> <div> <iframe title="Debt advice and support toolkit" allowfullscreen="true" mozallowfullscreen="true" webkitallowfullscreen="true" style="width: 400px;height: 550px; max-width:100%;" src="https://d1ygf46rsya1tb.cloudfront.net/prod/uploads/2023/09/J055641-Gamcare-Factsheet-7-WEB-1v2.pdf" data-emsrc="https://d1ygf46rsya1tb.cloudfront.net/prod/uploads/2023/09/J055641-Gamcare-Factsheet-7-WEB-1v2.pdf" data-emid="embedpress-pdf-shortcode" class="embedpress-embed-document-pdf embedpress-pdf-shortcode"></iframe> </div> </div> </div> </div> <div class="section"> <div class="expander d-flex justify-content-between"> <h4>Protecting your loved one</h4> <div class="icons"> <i class="fa fa-plus"></i> <i class="fa fa-minus"></i> </div> </div> <div class="content"> <p>Your gambling doesn’t just affect you; it can also have consequences for your friends and family. To help, we have compiled a list of things you and your family can do to keep their finances safe.</p> <p><a href="https://d1ygf46rsya1tb.cloudfront.net/prod/uploads/2023/03/J055641-Gamcare-Factsheet-8-WEB.pdf" target="_blank" rel="noopener">Open PDF</a></p> <div class="embedpress-document-embed ose-document ep-doc-d7fcf3f3b136871a304a78937b86779c" style="width: 400px;height: 550px; max-width:100%; display: block"> <div> <iframe title="J055641 Gamcare Factsheet 8 WEB" allowfullscreen="true" mozallowfullscreen="true" webkitallowfullscreen="true" style="width: 400px;height: 550px; max-width:100%;" src="https://d1ygf46rsya1tb.cloudfront.net/prod/uploads/2023/03/J055641-Gamcare-Factsheet-8-WEB.pdf" data-emsrc="https://d1ygf46rsya1tb.cloudfront.net/prod/uploads/2023/03/J055641-Gamcare-Factsheet-8-WEB.pdf" data-emid="embedpress-pdf-shortcode" class="embedpress-embed-document-pdf embedpress-pdf-shortcode"></iframe> </div> </div> </div> </div> <div class="section"> <div class="expander d-flex justify-content-between"> <h4>For family and friends: keeping your finances safe</h4> <div class="icons"> <i class="fa fa-plus"></i> <i class="fa fa-minus"></i> </div> </div> <div class="content"> <p>If someone you know is gambling excessively or harmfully, this factsheet is for you. These are our tips for managing your own money and supporting the gambler in your life.</p> <p><a href="https://d1ygf46rsya1tb.cloudfront.net/prod/uploads/2024/09/J055641-Gamcare-Factsheet-9-WEB.pdf" target="_blank" rel="noopener">Open PDF</a></p> <div class="embedpress-document-embed ose-document ep-doc-d7fcf3f3b136871a304a78937b86779c" style="width: 400px;height: 550px; max-width:100%; display: block"> <div> <iframe title="J055641-Gamcare-Factsheet-9-WEB" allowfullscreen="true" mozallowfullscreen="true" webkitallowfullscreen="true" style="width: 400px;height: 550px; max-width:100%;" src="https://d1ygf46rsya1tb.cloudfront.net/prod/uploads/2024/09/J055641-Gamcare-Factsheet-9-WEB.pdf" data-emsrc="https://d1ygf46rsya1tb.cloudfront.net/prod/uploads/2024/09/J055641-Gamcare-Factsheet-9-WEB.pdf" data-emid="embedpress-pdf-shortcode" class="embedpress-embed-document-pdf embedpress-pdf-shortcode"></iframe> </div> </div> </div> </div> </div> <div class="c-inline-cta "> <div class="c-inline-cta__img"> <figure class="o-ratio"> <div style="padding-bottom:68.14%"></div> <img class="o-ratio__content" src="https://d1xwj6lt3k7mbz.cloudfront.net/eyJidWNrZXQiOiJnYW1jYXJlLXdwIiwia2V5IjoicHJvZFwvdXBsb2Fkc1wvMjAyM1wvMDNcL0JhbmstQmxvY2stSW1hZ2VzX3hfYWNmX2Nyb3BwZWQtNTY1eDM4NS5wbmcifQ==" alt=""> </figure> </div> <div class="c-inline-cta__text-wrapper" style="background: #170046; padding: 24px; color: #fff"> <h4 style="margin-bottom: 16px">Does my bank block gambling transactions?</h4> <div style="font-size: 16px; margin-bottom: 26px"><p><a id="banks"></a>Many banks offer gambling blocks or other tools to help you manage gambling spend. We’ve put together a blog that tells you everything you need to know about banking tools offered.</p> </div> <div class="c-inline-cta__buttons-wrapper"> <div> <a href="https://www.gamcare.org.uk/news-and-blog/blog/everything-you-need-to-know-about-bank-gambling-blocks/" class="c-btn c-btn--primary c-btn--white" ><span class="c-btn__row"> <span class="c-btn__title">Read here</span> </span></a> </div> </div> </div> </div> <div class="o-text-content s-editor " style=" max-width:100%; "> <h4 id="MGS">Money Guidance Service</h4> <p><strong>What does the Money Guidance Service do?</strong></p> <p>Our Money Guidance Service offers one-to-one budgeting and financial support for people who experience gambling harms. Our Money Guidance Specialists offer tailored one to one money guidance support via the telephone or Zoom and they can assist with a range of financial matters including:</p> <ul> <li>Putting together a budget</li> <li>Understanding spending priorities</li> <li>Understanding spending behaviours</li> <li>Setting financial goals</li> <li>Putting things in place to protect finances</li> </ul> <p><strong>Who can access support from the Money Guidance Service?</strong></p> <p>The service is available to anyone living in England, Wales or Scotland. It can help anyone affected by either own or someone else’s gambling.</p> <p><strong>How to access support from the Money Guidance Service</strong></p> <p>Referrals are made via the National Gambling Helpline and our Gambling Support Practitioners. To find out more about getting support from a Money Guidance Specialist, <a href="https://www.gamcare.org.uk/get-support/talk-to-us-now/" target="_blank" rel="noopener">contact the National Gambling Helpline</a> on 0808 8020 133 or speak to our Gambling Support Practitioners and ask if you can be assessed for a referral into the service.</p> <p><strong>Please note – </strong>The Money Guidance Service cannot provide debt advice. However, we do have referral pathways with some free debt advice providers and can refer anyone needing specialist debt advice to one of these if they require it.</p> </div> </div> </article> <nav class="c-nav-adjacent" aria-label="Previous and next pages"> <a href="https://www.gamcare.org.uk/self-help/blocking-software/" class="c-nav-adjacent__link"> <span class="c-btn c-btn--secondary c-btn--secondary-reversed c-nav-adjacent__btn"> <span class="c-btn__title">Previous</span> </span> <p class="c-nav-adjacent__title">Blocking software</p> </a> <a href="https://www.gamcare.org.uk/self-help/online-peer-support-service/" class="c-nav-adjacent__link"> <span class="c-btn c-btn--secondary c-nav-adjacent__btn"> <span class="c-btn__title">Next</span> </span> <p class="c-nav-adjacent__title">Online Peer Support Service</p> </a> </nav> </main> <aside class="col-12 col-md-4 col-lg-3 o-sidebar"> <nav class="c-nav-sidebar c-nav-sidebar--tags d-md-block d-none " aria-label="Related pages"> <h4 class="c-nav-sidebar__title">Recovery toolkit</h4> <ul class="o-list-bare"> <li class="c-nav-sidebar__item"> <a href="https://www.gamcare.org.uk/self-help/links-to-other-support-agencies/" class="c-btn c-nav-sidebar__link "> <span class="c-btn__title">Links to other support agencies</span> </a> </li> <li class="c-nav-sidebar__item"> <a href="https://www.gamcare.org.uk/self-help/self-help-resources/" class="c-btn c-nav-sidebar__link "> <span class="c-btn__title">Self-Guided Resources</span> </a> </li> <li class="c-nav-sidebar__item"> <a href="https://www.gamcare.org.uk/self-help/self-exclusion/" class="c-btn c-nav-sidebar__link "> <span class="c-btn__title">Self-exclusion</span> </a> </li> <li class="c-nav-sidebar__item"> <a href="https://www.gamcare.org.uk/self-help/blocking-software/" class="c-btn c-nav-sidebar__link "> <span class="c-btn__title">Blocking software</span> </a> </li> <li class="c-nav-sidebar__item"> <a href="https://www.gamcare.org.uk/self-help/managing-your-money/" class="c-btn c-nav-sidebar__link is-active "> <span class="c-btn__title">Managing your money</span> </a> </li> <li class="c-nav-sidebar__item"> <a href="https://www.gamcare.org.uk/self-help/online-peer-support-service/" class="c-btn c-nav-sidebar__link "> <span class="c-btn__title">Online Peer Support Service</span> </a> </li> <li class="c-nav-sidebar__item"> <a href="https://www.gamcare.org.uk/self-help/empowerme/" class="c-btn c-nav-sidebar__link "> <span class="c-btn__title">EmpowerMe</span> </a> </li> </ul> </nav> <div class="mb-45"> <hr class="c-sep-light mb-20"> <p class="u-h2 mb-15 c-nav-sidebar__quote">95% of callers would recommend our service to someone else.</p> <hr class="c-sep-light mt-20"> </div> <div> </div> </aside> </div> </div> </section> <section class="c-section-share"> <div class="container"> <span>Share this page</span> <div class="a2a_kit a2a_kit_size_18 addtoany_list"><a class="a2a_dd addtoany_share_save addtoany_share" href="https://www.addtoany.com/share"><img 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This also helps us to know whether we are meeting key priorities.</div><div class="cli-bar-btn_container"><a id="wt-cli-settings-btn" tabindex="0" role='button' style="border-bottom:1px solid rgb(137, 136, 136); text-decoration:none; border-top-color:rgb(137, 136, 136); border-right-color:rgb(137, 136, 136); border-left-color:rgb(137, 136, 136);" class="wt-cli-element medium cli-plugin-button cli-plugin-main-button cli_settings_button" >Cookie settings</a><a id="wt-cli-accept-btn" tabindex="0" role='button' style="margin:5px 5px 5px 30px; border-radius:0px; padding:8px 25px; border-color:rgb(255, 255, 255);" data-cli_action="accept" class="wt-cli-element medium cli-plugin-button cli-plugin-main-button cookie_action_close_header cli_action_button" >ACCEPT</a></div></div></span></div></div><div tabindex="0" id="cookie-law-info-again" style="display:none;"><span id="cookie_hdr_showagain">Manage consent</span></div><div class="cli-modal" id="cliSettingsPopup" role="dialog" aria-labelledby="wt-cli-privacy-title" tabindex="-1" aria-hidden="true"> <div class="cli-modal-dialog" role="document"> <div class="cli-modal-content cli-bar-popup"> <button aria-label="Close" type="button" class="cli-modal-close" id="cliModalClose"> <svg class="" viewBox="0 0 24 24"><path d="M19 6.41l-1.41-1.41-5.59 5.59-5.59-5.59-1.41 1.41 5.59 5.59-5.59 5.59 1.41 1.41 5.59-5.59 5.59 5.59 1.41-1.41-5.59-5.59z"></path><path d="M0 0h24v24h-24z" fill="none"></path></svg> <span class="wt-cli-sr-only">Close</span> </button> <div class="cli-modal-body"> <div class="wt-cli-element cli-container-fluid cli-tab-container"> <div class="cli-row"> <div class="cli-col-12 cli-align-items-stretch cli-px-0"> <div class="cli-privacy-overview"> <h4 id='wt-cli-privacy-title'>Privacy Overview</h4> <div class="cli-privacy-content"> <div class="cli-privacy-content-text">This website uses cookies to improve your experience while you navigate through the website. Out of these cookies, the cookies that are categorized as necessary are stored on your browser as they are essential for the working of basic functionalities of the website. We also use third-party cookies that help us analyze and understand how you use this website. These cookies will be stored in your browser only with your consent. You also have the option to opt-out of these cookies. But opting out of some of these cookies may have an effect on your browsing experience.</div> </div> <a id="wt-cli-privacy-readmore" tabindex="0" role="button" class="cli-privacy-readmore" data-readmore-text="Show more" data-readless-text="Show less"></a> </div> </div> <div class="cli-col-12 cli-align-items-stretch cli-px-0 cli-tab-section-container" role="tablist"> <div class="cli-tab-section"> <div class="cli-tab-header"> <a id="wt-cli-tab-link-necessary" tabindex="0" role="tab" aria-expanded="false" aria-describedby="wt-cli-tab-necessary" aria-controls="wt-cli-tab-necessary" class="cli-nav-link cli-settings-mobile" data-target="necessary" data-toggle="cli-toggle-tab"> Necessary </a> <div class="wt-cli-necessary-checkbox"> <input type="checkbox" class="cli-user-preference-checkbox" id="wt-cli-checkbox-necessary" aria-label="Necessary" data-id="checkbox-necessary" checked="checked" /> <label class="form-check-label" for="wt-cli-checkbox-necessary"> Necessary </label> </div> <span class="cli-necessary-caption"> Always Enabled </span> </div> <div class="cli-tab-content"> <div id="wt-cli-tab-necessary" tabindex="0" role="tabpanel" aria-labelledby="wt-cli-tab-link-necessary" class="cli-tab-pane cli-fade" data-id="necessary"> <div class="wt-cli-cookie-description">Necessary cookies are absolutely essential for the website to function properly. These cookies ensure basic functionalities and security features of the website, anonymously. <table class="wt-cli-element cookielawinfo-row-cat-table cookielawinfo-winter"><thead><tr><th scope="col" class="cookielawinfo-column-1">Cookie</th><th scope="col" class="cookielawinfo-column-3">Duration</th><th scope="col" class="cookielawinfo-column-4">Description</th></tr></thead><tbody><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">cookielawinfo-checbox-analytics</td><td class="cookielawinfo-column-3">11 months</td><td class="cookielawinfo-column-4">This cookie is set by GDPR Cookie Consent plugin. The cookie is used to store the user consent for the cookies in the category "Analytics".</td></tr><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">cookielawinfo-checbox-functional</td><td class="cookielawinfo-column-3">11 months</td><td class="cookielawinfo-column-4">The cookie is set by GDPR cookie consent to record the user consent for the cookies in the category "Functional".</td></tr><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">cookielawinfo-checbox-others</td><td class="cookielawinfo-column-3">11 months</td><td class="cookielawinfo-column-4">This cookie is set by GDPR Cookie Consent plugin. The cookie is used to store the user consent for the cookies in the category "Other.</td></tr><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">cookielawinfo-checkbox-advertisement</td><td class="cookielawinfo-column-3">1 year</td><td class="cookielawinfo-column-4">The cookie is set by GDPR cookie consent to record the user consent for the cookies in the category "Advertisement".</td></tr><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">cookielawinfo-checkbox-necessary</td><td class="cookielawinfo-column-3">11 months</td><td class="cookielawinfo-column-4">This cookie is set by GDPR Cookie Consent plugin. The cookies is used to store the user consent for the cookies in the category "Necessary".</td></tr><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">cookielawinfo-checkbox-performance</td><td class="cookielawinfo-column-3">11 months</td><td class="cookielawinfo-column-4">This cookie is set by GDPR Cookie Consent plugin. The cookie is used to store the user consent for the cookies in the category "Performance".</td></tr><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">PHPSESSID</td><td class="cookielawinfo-column-3">session</td><td class="cookielawinfo-column-4">This cookie is native to PHP applications. The cookie is used to store and identify a users' unique session ID for the purpose of managing user session on the website. The cookie is a session cookies and is deleted when all the browser windows are closed.</td></tr><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">viewed_cookie_policy</td><td class="cookielawinfo-column-3">11 months</td><td class="cookielawinfo-column-4">The cookie is set by the GDPR Cookie Consent plugin and is used to store whether or not user has consented to the use of cookies. It does not store any personal data.</td></tr><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">VISITOR_INFO1_LIVE</td><td class="cookielawinfo-column-3">5 months 27 days</td><td class="cookielawinfo-column-4">This cookie is set by Youtube. Used to track the information of the embedded YouTube videos on a website.</td></tr><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">YSC</td><td class="cookielawinfo-column-3">session</td><td class="cookielawinfo-column-4">This cookies is set by Youtube and is used to track the views of embedded videos.</td></tr></tbody></table></div> </div> </div> </div> <div class="cli-tab-section"> <div class="cli-tab-header"> <a id="wt-cli-tab-link-functional" tabindex="0" role="tab" aria-expanded="false" aria-describedby="wt-cli-tab-functional" aria-controls="wt-cli-tab-functional" class="cli-nav-link cli-settings-mobile" data-target="functional" data-toggle="cli-toggle-tab"> Functional </a> <div class="cli-switch"> <input type="checkbox" class="cli-user-preference-checkbox" id="wt-cli-checkbox-functional" aria-label="functional" data-id="checkbox-functional" role="switch" aria-controls="wt-cli-tab-link-functional" aria-labelledby="wt-cli-tab-link-functional" /> <label for="wt-cli-checkbox-functional" class="cli-slider" data-cli-enable="Enabled" data-cli-disable="Disabled"><span class="wt-cli-sr-only">functional</span></label> </div> </div> <div class="cli-tab-content"> <div id="wt-cli-tab-functional" tabindex="0" role="tabpanel" aria-labelledby="wt-cli-tab-link-functional" class="cli-tab-pane cli-fade" data-id="functional"> <div class="wt-cli-cookie-description">Functional cookies help to perform certain functionalities like sharing the content of the website on social media platforms, collect feedbacks, and other third-party features. <table class="wt-cli-element cookielawinfo-row-cat-table cookielawinfo-winter"><thead><tr><th scope="col" class="cookielawinfo-column-1">Cookie</th><th scope="col" class="cookielawinfo-column-3">Duration</th><th scope="col" class="cookielawinfo-column-4">Description</th></tr></thead><tbody><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">_scid</td><td class="cookielawinfo-column-3">1 year 1 month</td><td class="cookielawinfo-column-4">This cookie is set by Snapchat. This cookie is used to serve and store Snapchat Pixel unique ID of the User.</td></tr></tbody></table></div> </div> </div> </div> <div class="cli-tab-section"> <div class="cli-tab-header"> <a id="wt-cli-tab-link-performance" tabindex="0" role="tab" aria-expanded="false" aria-describedby="wt-cli-tab-performance" aria-controls="wt-cli-tab-performance" class="cli-nav-link cli-settings-mobile" data-target="performance" data-toggle="cli-toggle-tab"> Performance </a> <div class="cli-switch"> <input type="checkbox" class="cli-user-preference-checkbox" id="wt-cli-checkbox-performance" aria-label="performance" data-id="checkbox-performance" role="switch" aria-controls="wt-cli-tab-link-performance" aria-labelledby="wt-cli-tab-link-performance" /> <label for="wt-cli-checkbox-performance" class="cli-slider" data-cli-enable="Enabled" data-cli-disable="Disabled"><span class="wt-cli-sr-only">performance</span></label> </div> </div> <div class="cli-tab-content"> <div id="wt-cli-tab-performance" tabindex="0" role="tabpanel" aria-labelledby="wt-cli-tab-link-performance" class="cli-tab-pane cli-fade" data-id="performance"> <div class="wt-cli-cookie-description">Performance cookies are used to understand and analyze the key performance indexes of the website which helps in delivering a better user experience for the visitors. </div> </div> </div> </div> <div class="cli-tab-section"> <div class="cli-tab-header"> <a id="wt-cli-tab-link-analytics" tabindex="0" role="tab" aria-expanded="false" aria-describedby="wt-cli-tab-analytics" aria-controls="wt-cli-tab-analytics" class="cli-nav-link cli-settings-mobile" data-target="analytics" data-toggle="cli-toggle-tab"> Analytics </a> <div class="cli-switch"> <input type="checkbox" class="cli-user-preference-checkbox" id="wt-cli-checkbox-analytics" aria-label="analytics" data-id="checkbox-analytics" role="switch" aria-controls="wt-cli-tab-link-analytics" aria-labelledby="wt-cli-tab-link-analytics" /> <label for="wt-cli-checkbox-analytics" class="cli-slider" data-cli-enable="Enabled" data-cli-disable="Disabled"><span class="wt-cli-sr-only">analytics</span></label> </div> </div> <div class="cli-tab-content"> <div id="wt-cli-tab-analytics" tabindex="0" role="tabpanel" aria-labelledby="wt-cli-tab-link-analytics" class="cli-tab-pane cli-fade" data-id="analytics"> <div class="wt-cli-cookie-description">Analytical cookies are used to understand how visitors interact with the website. These cookies help provide information on metrics the number of visitors, bounce rate, traffic source, etc. <table class="wt-cli-element cookielawinfo-row-cat-table cookielawinfo-winter"><thead><tr><th scope="col" class="cookielawinfo-column-1">Cookie</th><th scope="col" class="cookielawinfo-column-3">Duration</th><th scope="col" class="cookielawinfo-column-4">Description</th></tr></thead><tbody><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">_ga</td><td class="cookielawinfo-column-3">2 years</td><td class="cookielawinfo-column-4">This cookie is installed by Google Analytics. The cookie is used to calculate visitor, session, campaign data and keep track of site usage for the site's analytics report. The cookies store information anonymously and assign a randomly generated number to identify unique visitors.</td></tr><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">_gat_UA-3398770-1</td><td class="cookielawinfo-column-3">1 minute</td><td class="cookielawinfo-column-4">This is a pattern type cookie set by Google Analytics, where the pattern element on the name contains the unique identity number of the account or website it relates to. It appears to be a variation of the _gat cookie which is used to limit the amount of data recorded by Google on high traffic volume websites.</td></tr><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">_gid</td><td class="cookielawinfo-column-3">1 day</td><td class="cookielawinfo-column-4">This cookie is installed by Google Analytics. The cookie is used to store information of how visitors use a website and helps in creating an analytics report of how the website is doing. The data collected including the number visitors, the source where they have come from, and the pages visted in an anonymous form.</td></tr><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">iutk</td><td class="cookielawinfo-column-3">5 months 27 days</td><td class="cookielawinfo-column-4">This cookie is used by Issuu analytic system. The cookies is used to gather information regarding visitor activity on Issuu products.</td></tr><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">vuid</td><td class="cookielawinfo-column-3">2 years</td><td class="cookielawinfo-column-4">This domain of this cookie is owned by Vimeo. This cookie is used by vimeo to collect tracking information. It sets a unique ID to embed videos to the website.</td></tr></tbody></table></div> </div> </div> </div> <div class="cli-tab-section"> <div class="cli-tab-header"> <a id="wt-cli-tab-link-advertisement" tabindex="0" role="tab" aria-expanded="false" aria-describedby="wt-cli-tab-advertisement" aria-controls="wt-cli-tab-advertisement" class="cli-nav-link cli-settings-mobile" data-target="advertisement" data-toggle="cli-toggle-tab"> Advertisement </a> <div class="cli-switch"> <input type="checkbox" class="cli-user-preference-checkbox" id="wt-cli-checkbox-advertisement" aria-label="advertisement" data-id="checkbox-advertisement" role="switch" aria-controls="wt-cli-tab-link-advertisement" aria-labelledby="wt-cli-tab-link-advertisement" /> <label for="wt-cli-checkbox-advertisement" class="cli-slider" data-cli-enable="Enabled" data-cli-disable="Disabled"><span class="wt-cli-sr-only">advertisement</span></label> </div> </div> <div class="cli-tab-content"> <div id="wt-cli-tab-advertisement" tabindex="0" role="tabpanel" aria-labelledby="wt-cli-tab-link-advertisement" class="cli-tab-pane cli-fade" data-id="advertisement"> <div class="wt-cli-cookie-description">Advertisement cookies are used to provide visitors with relevant ads and marketing campaigns. These cookies track visitors across websites and collect information to provide customized ads. <table class="wt-cli-element cookielawinfo-row-cat-table cookielawinfo-winter"><thead><tr><th scope="col" class="cookielawinfo-column-1">Cookie</th><th scope="col" class="cookielawinfo-column-3">Duration</th><th scope="col" class="cookielawinfo-column-4">Description</th></tr></thead><tbody><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">_fbp</td><td class="cookielawinfo-column-3">3 months</td><td class="cookielawinfo-column-4">This cookie is set by Facebook to deliver advertisement when they are on Facebook or a digital platform powered by Facebook advertising after visiting this website.</td></tr><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">flashtalkingad1</td><td class="cookielawinfo-column-3">2 years</td><td class="cookielawinfo-column-4">This cookie is set by the provider flashtalking.com. This cookie is used for storing what ads the user has seen. This cookie helps to improve the advertising on third party websites.</td></tr><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">fr</td><td class="cookielawinfo-column-3">3 months</td><td class="cookielawinfo-column-4">The cookie is set by Facebook to show relevant advertisments to the users and measure and improve the advertisements. The cookie also tracks the behavior of the user across the web on sites that have Facebook pixel or Facebook social plugin.</td></tr><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">IDE</td><td class="cookielawinfo-column-3">1 year 24 days</td><td class="cookielawinfo-column-4">Used by Google DoubleClick and stores information about how the user uses the website and any other advertisement before visiting the website. This is used to present users with ads that are relevant to them according to the user profile.</td></tr><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">mc</td><td class="cookielawinfo-column-3">1 year 1 month</td><td class="cookielawinfo-column-4">This cookie is associated with Quantserve to track anonymously how a user interact with the website.</td></tr><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">sc_at</td><td class="cookielawinfo-column-3">1 year 24 days</td><td class="cookielawinfo-column-4">The cookie is set by Snapchat. This cookie is used for advertising purpose. It shows relevant ads to the users by tracking user behaviour on Snapchat.</td></tr><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">test_cookie</td><td class="cookielawinfo-column-3">15 minutes</td><td class="cookielawinfo-column-4">This cookie is set by doubleclick.net. The purpose of the cookie is to determine if the user's browser supports cookies.</td></tr></tbody></table></div> </div> </div> </div> <div class="cli-tab-section"> <div class="cli-tab-header"> <a id="wt-cli-tab-link-others" tabindex="0" role="tab" aria-expanded="false" aria-describedby="wt-cli-tab-others" aria-controls="wt-cli-tab-others" class="cli-nav-link cli-settings-mobile" data-target="others" data-toggle="cli-toggle-tab"> Others </a> <div class="cli-switch"> <input type="checkbox" class="cli-user-preference-checkbox" id="wt-cli-checkbox-others" aria-label="others" data-id="checkbox-others" role="switch" aria-controls="wt-cli-tab-link-others" aria-labelledby="wt-cli-tab-link-others" /> <label for="wt-cli-checkbox-others" class="cli-slider" data-cli-enable="Enabled" data-cli-disable="Disabled"><span class="wt-cli-sr-only">others</span></label> </div> </div> <div class="cli-tab-content"> <div id="wt-cli-tab-others" tabindex="0" role="tabpanel" aria-labelledby="wt-cli-tab-link-others" class="cli-tab-pane cli-fade" data-id="others"> <div class="wt-cli-cookie-description">Other uncategorized cookies are those that are being analyzed and have not been classified into a category as yet. <table class="wt-cli-element cookielawinfo-row-cat-table cookielawinfo-winter"><thead><tr><th scope="col" class="cookielawinfo-column-1">Cookie</th><th scope="col" class="cookielawinfo-column-3">Duration</th><th scope="col" class="cookielawinfo-column-4">Description</th></tr></thead><tbody><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">_schn</td><td class="cookielawinfo-column-3">session</td><td class="cookielawinfo-column-4">No description available.</td></tr><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">CONSENT</td><td class="cookielawinfo-column-3">16 years 6 months 3 days 14 hours</td><td class="cookielawinfo-column-4">No description</td></tr><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">X-AB</td><td class="cookielawinfo-column-3">1 day</td><td class="cookielawinfo-column-4">No description available.</td></tr><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">yt-remote-connected-devices</td><td class="cookielawinfo-column-3">never</td><td class="cookielawinfo-column-4">No description available.</td></tr><tr class="cookielawinfo-row"><td class="cookielawinfo-column-1">yt-remote-device-id</td><td class="cookielawinfo-column-3">never</td><td class="cookielawinfo-column-4">No description available.</td></tr></tbody></table></div> </div> </div> </div> </div> </div> </div> </div> <div class="cli-modal-footer"> <div class="wt-cli-element cli-container-fluid cli-tab-container"> <div class="cli-row"> <div class="cli-col-12 cli-align-items-stretch cli-px-0"> <div class="cli-tab-footer wt-cli-privacy-overview-actions"> <a id="wt-cli-privacy-save-btn" role="button" tabindex="0" data-cli-action="accept" class="wt-cli-privacy-btn cli_setting_save_button wt-cli-privacy-accept-btn cli-btn">Save & Accept</a> </div> </div> </div> </div> </div> </div> </div> </div> <div class="cli-modal-backdrop cli-fade cli-settings-overlay"></div> <div class="cli-modal-backdrop cli-fade cli-popupbar-overlay"></div> <!--googleon: all--></div> <script type="text/javascript"> /* <![CDATA[ */ cli_cookiebar_settings='{"animate_speed_hide":"500","animate_speed_show":"500","background":"rgb(255, 255, 255)","border":"#b1a6a6c2","border_on":false,"button_1_button_colour":"rgb(20, 137, 50)","button_1_button_hover":"rgb(20, 137, 50)","button_1_link_colour":"rgb(255, 255, 255)","button_1_as_button":true,"button_1_new_win":false,"button_2_button_colour":"rgb(255, 255, 255)","button_2_button_hover":"rgb(255, 255, 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