tailieunhanh - Universal Credit: welfare that works.

Failure to do so will make it difficult and costly for you to borrow money for the things that you need for yourself and your family, including a home, an education, or medical care. Even though your intentions may be good, events may occur— such as medical emergencies or losing a job—that impact your ability to repay your loans. That’s why it’s critical to set up and contribute regularly to a savings plan. By doing this, you will have funds available to honor your credit agreements in spite of unforeseen challenges. Remember that even if an emergency is the reason for your late payment or delinquent account, it can. | rWA J Department for Lz V V r Work and Pensions Universal Credit welfare that works Presented to Parliament by the Secretary of State for Work and Pensions by Command of Her Majesty November 2010 Cm 7957 Universal Credit welfare that works Presented to Parliament by the Secretary of State for Work and Pensions by Command of Her Majesty November 2010 Cm 7957 Crown Copyright 2010 You may re-use this information not including logos free of charge in any format or medium under the terms of the Open Government Licence. To view this licence visit http doc open-govemment-licence or write to the Information Policy Team The National Archives Kew London TW9 4DU or email psi@. This publication can be accessed online at universal-credit For more information about this publication contact Benefit Reform Division Department for Work and Pensions 1st Floor Caxton House Tothill Street London SW1H 9NA Tel 020 7449 7688 Email Copies of this publication can be made available in alternative formats if required. This publication is also available on http ISBN 9780101795722 Printed in the UK by The Stationery Office Limited on behalf of the Controller of Her Majesty s Stationery Office ID P002391415 11 10 Printed on paper containing 75 recycled fibre content .