Outsourcing Advice Services Pennysmart CIC provides professional, high quality, independent, free-to-client, money, debt and benefits advice services to the clients of customer organisations. Pennysmart CIC works from a Cheshire/Flintshire borders base across the UK. Specialties: money advice; financial inclusion, money education, project management; training; community workshops, welfare reforms, income maximization, sustainable tenancies, financial literacy, financial capability, money advice for housing staff, debt help; budgeting; fuel poverty; income maximization, welsh government financial inclusion policy, welfare benefits, sustainable money advice services; social enterprise start up; coaching; self development; networking and media relations.