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, which can also impact your health and wellbeing. We're here to help everyone manage their everyday money, stay in control and be able to plan ahead with confidence.

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

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