This page includes links to external information that could help if you are struggling financially.
Last updated: 29th July 2022
Contents (jump to section)
- Government cost of living payments
- Money and benefits advice
- Help with borrowing money
- If you’re worried about paying money back
- If you’re trying to spend less on energy
- If you’re trying to cut down food costs
- Reducing costs in the home
- Reducing travel costs and having fun
- Tips for families to help with school summer holidays
- Money and wellbeing
- View a list of payments available from the government for the rising cost of living. There are different amounts of money depending on your circumstances.
- Do beware – scammers are targeting people. You won’t be asked to apply by text, so don’t follow up a message to claim. No one calling about money given out by your council will ask you to share your bank details either.
- Money Saving Expert covers a range of general advice on making your money go further.
- Turn2us gives free advice on benefits and grants you may be able to claim.
- Money Helper gives good impartial advice on money topics and has a useful guide to credit - start with the article ‘Do you need to borrow money?’
- Find your local credit union. Credit Unions are financial co-operatives that provide savings, loans and other services to members - they are owned and controlled by members.
- If you are receiving benefits, you may be able to get a DWP interest-free loan, instead of borrowing commercially
- Don’t pay for debt advice, try National Debtline or call them for free on: 0808 808 4000
- Stepchange also gives free expert debt advice
- If you have borrowed money informally and are being pressured to pay it back, the England Illegal Money Lending Team tackle loan sharks and can help you. Their 24 hour helpline is free and anonymous on 0300 555 2222. A call won’t commit you or anyone else to doing anything. Borrowing money from loan sharks isn’t illegal, only lending it, so you won’t get into trouble.
- National Energy Action is a great source of advice. Call them on 0800 304 7159 and ask about the Warm Home Discount
- Use Sust-it to check how much it costs to run your electrical appliances and learn about energy efficient products
- Compare prices across supermarkets with Trolley
- Use Trussell Trust or Food Aid Network to find a foodbank
- The Too Good to Go app gives you a chance to get low cost surplus food from cafes and restaurants
- Olio helps you share food and resources in your community
- For budget recipes, try Jack Monroe’s Cooking On A Bootstrap
- Bags of Taste is a fun project that gets you trying new healthy recipes on a budget
- If you’re on a low income you might be able to switch to a social tariff for broadband, which could save you a lot of money - almost all providers offer them
- Use Freegle to see if anyone is giving away household items in your area
- If you’re receiving certain benefits, you may be able to get help with water bills if you have three or more children or need to use a lot of water for medical reasons. Find out more from Citizens Advice Water Bills
- Citymapper is a well-known transport app, but it’s also a budgeting tool as it helps you compare the costs of your journey options
- Students can use discounts with MyUniDays
If you’re eligible for free school meals then you’ll be eligible for some extra help over the holidays - visit your council website to find out more and apply.
There are lots of deals for taking kids out and feeding them in the summer holidays:
Asda is offering a meal for £1 without an adult having to spend anything
Morrisons is offering free kids meals for each child with an adult meal
Find ideas for free activities and days out in the school holidays:
Money Saving Expert also has some good ideas for free or cheap activities and days out
If you need to buy a new school uniform, the school may have a second hand shop, or a parents’ Facebook group where parents cheaply sell on uniform they no longer need.
For single parents Gingerbread is an excellent source of support and advice targeted for single parents.
- Money worries can sometimes impact on our ability to look after ourselves and our loved ones. Two apps that might help your mental wellbeing are Headspace and Feeling Good
- Relate has some good information on protecting your relationship when you’re coping with the pressure of money worries
If you have other resources that we could add, please get in touch: email@example.com
Note: Whilst we make every effort to signpost to helpful resources, we cannot guarantee the accuracy or suitability of third party websites.