Practical help with money
Get on top of your finances, reduce money worries and plan for the future
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.
Debt Advice
Be Money Smart
We offer free, confidential and personal debt support through our trusted partner PayPlan who 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.
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.
If you’re worried or simply need guidance on managing your debt, through PayPlan we can 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.
Debt support
nudge - a free money management tool at your fingertips 24/7
nudge offers a financial health check to see where you’re at right now and what you areas you might need to work on plus, simple tools such as budget planners and debt calculators, short masterclass videos. as well as regular ‘nudges’ to keep you on track via text, WhatsApp or email, and more
Sign up to nudge
Your pension is your future
Expert advice and information to help you plan for retirement whether you've been working for a while, just starting out or self-employed.
Learn moreDiscussions and advice
Keep ahead of price rises
With everything going up in price, here's a few things you can do that might help cut back on some of your costs.
Real advice from people who understand
We asked for your ideas and advice about how to manage your money based on your own experiences to inspire others.
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