THE SAFETY NET FOR FISHING FAMILIES

A one-stop-shop providing bespoke information and support for the fishing community on personal savings, money management, credit choices, debt advice, and relationship and mental health support.

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CLICK ON THE BOXES TO ACCESS FREE, INDEPENDENT ADVICE AND SUPPORT

Savings

LEARN HOW TO BE A SAVVY SAVER

Commsave Credit Union for Fishers

A bespoke service for the fishing industry. Commsave is a not-for-profit financial co-operative offering savings facilities, low-cost loans and a bereavement fund.

Commsave Savings Accounts

Get help managing your money using Commsave's Savings Accounts. Put aside money for a rainy day, or to save for unexpected bills.

Financial Services Compensation Scheme (FSCS)

An independent, free to use service that provides compensation and protects you when financial services fail or go out of business.

Pensions

Practical guides on pensions. From how to start a pension, to building your pension pot for the future.

Money Management

YOUR QUESTIONS ABOUT MONEY ANSWERED

Tax & National Insurance for Share Fishermen

Information on how Income Tax and National Insurance contribution rules work for share fishermen.

Register for self assessment to file your tax return

If you are a share fisher who is filing their tax return for the first time, you must first register for self assessment so the government knows you are self-employed.

File your tax return

If you've already registered for self assessment, and are ready to file your tax return, you can do so here.

Build your Budget

A free, easy to use tool which will help you create your own budget you can use to keep track of your day-to-day spending.

The Money Manual

A comprehensive manual offering advice on handling your finances, debt and the ins-and-outs of everyday money management.

Become a financial champion

Learn how to become a financial champion for your fishing community.

CREDIT CHOICES

CommSave Credit Union loans

A lender who understands income can fluctuate. Explore Commsave's low-cost loans you can apply to borrow as little as £100.

Avoiding loan sharks

Citizens Advice guidance on how to spot and avoid loan sharks.

Report a loan shark

Stop Loan Sharks investigates and prosecutes illegal money lenders and provides support for borrowers in the UK.

MANAGING DEBT

TAKE CONTROL OF YOUR DEBT

Seafarers' Advice & Information Line (SAIL)

SAIL is a Citizens Advice service just for seafarers, fishers and their families across the UK. They offer information and advice on a wide range of financial issues such as debt, housing and welfare benefits.

Stepchange (debt advice)

Free, confidential expert debt advice and debt management solutions.

Business Debtline

Free and independent debt advice for the self-employed and business owner over the phone and online.

Which debt to pay first?

Some debts are more important than others and should be paid first, as a priority.

MENTAL HEALTH AND RELATIONSHIP SUPPORT

FOR WHEN YOU NEED SOMEONE TO TALK TO

Relate

Working in fishing can be difficult and impact personal relationships. You can get a referral for free relationship counselling from SAIL. Click for more information.

Seafarers Hospital Society: Togetherall

A confidential service for those who need help with mental health and wellbeing issues. As part of the fishing community, you can access these resources for free, through the Seafarers Hospital Society.

Other Sources of Information

The Fishermen's Mission

The only fishermen's charity that provides emergency support alongside practical, financial, spiritual and emotional care.

Insurance

The UK's leading general insurance intermediary organisation who find bespoke insurance products for people who are difficult to insure.

Fishing Animateur

Animateurs provide support for fishers looking to access government grant funding. Acting as your agent, they can support you through all the steps of your application.

Fathom Podcast

Through real conversations with real fishermen, Fathom is getting below the surface of the UK fishing industry.

UK Women in Fishing

Learn more about the role of women in UK fisheries and join a mutual support network for women who fish

Fisheries APPG

Representing and supporting the UK fishing industry through a neutral, cross party forum for debate, discussion and learning.

Seafarers Hospital Society: Dreadnought

Priority NHS treatment for working seafarers based at St Thomas' Hospital in London.

Financial Ombudsman Service

An impartial, free and easy to use complaints service for when you have not received a fair financial service.

NEED HELP NOW?

CALL SAIL FOR FREE

0800 160 1842

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