The aim of this extension to the existing work of Harlow Welfare Rights & Advice (HWRA) is to help people in Harlow, Essex have improved financial capability and confidence to manage their financial affairs. Many existing beneficiaries have a lack of savings, high levels of debts and limited financial literacy. A new partnership will also be formed with Harlowsave Credit Union (HCU), providing training on crisis management, budgeting and identifying high risk loans.