Practical help with money
At Perennial, we understand that working in horticulture can be rewarding but also financially challenging. Seasonal work, variable income, and unexpected life events can all put pressure on your finances. Our team is here to help you stay in control, plan ahead and find practical solutions when things feel overwhelming.
Be Money Smart
Feel in control of your money now and for the future
We’re here to help you get your money working harder for you. Whether you feel in control of your finances or need a bit of support, take a look below at our tips, practical information and tools that'll help you ‘Be Money Smart’.
nudge - a free money management tool at your fingertips 24/7
nudge is the free money management tool that gives you tailored content to help you make the most of your finances. Take the confidential financial health check and get ideas about areas you could work on.
Then use the easy-to-complete budget planners to know exactly where your money goes and how to keep more of it. nudge can keep you on track with regular suggestions on text, WhatsApp or email too.
Money and Debt Advice
Our Money & Debt advice team tailor their advice based on your situation. They are not there to judge but to understand your circumstances and to help you get back on track. You'll discuss your current situation, budget and any debts you may have with them, as well as the goals you'd like to achieve when it comes to your money.
Debts include different kinds of money you owe. Common types are credit card debt, personal loans, car finance and mortgages. You may also have unpaid bills for essential services like rent, council tax, and utilities.
Whether you’re worried about bills, dealing with debt, or simply need guidance on managing your money, we offer free, confidential support tailored to the realities of horticultural work. You’re not alone—Perennial is here to help you every step of the way.
Smart tips and tools
Make sure you shop smart
Online shopping is quick, easy and tempting, but it’s important to shop smart. Here's some tips to save money and stay secure.
Take our quick quiz today
Find out just how much you do or don't know about your money - there's only 8 questions!
Money-saving tips
Moving into the colder months can set its own challenges, especially when it comes to extra costs. Our tip tips may help.
Helpful information
Need further support?
If you feel you need additional support, are having trouble getting in control of your finances or if you’re experiencing complex financial issues, then our team can provide more focused support. We will talk through your situation, advise on options available and work with you on your next steps.
Please complete our Services Contact Form and we will get back to you or call our Helpline on 0800 093 8543
Our Helpline is open 9am – 4.30pm Monday, Tuesday, Thursday and Friday. Open 10am – 4.30pm on Wednesday. Excludes bank holidays.
For Debt Advice information click here. Our Debt Advice service is authorised and regulated by the Financial Conduct Authority.
See here for Terms and Conditions of Service
