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Introduction
This chapter provides an introduction to some of the key issues involving money, welfare benefits and personal finance which you might encounter.
Money worries can be a real headache and often get worse if you don’t take action, so it’s important to tackle them as soon as possible. The information in this section isn’t exhaustive, and if you are going to make a claim for welfare benefits, or are thinking of applying for a mortgage, you should seek specialist advice. Regulations governing access to benefits can change very quickly, so, even if you’ve made a successful application in the past, it’s wise to get advice from an accredited benefits adviser. Similarly, some financial advisers have developed a detailed understanding of the financial issues faced by HIV-positive people. A good place to start if you want information on benefits or money advice is the Citizens Advice Bureau. Their website is www.citizensadvice.org.uk and they have branches around the country. All their advice is free.