Get help with the cost of living

If you're struggling to cover basic expenses, you might be missing out on regular financial support. Check if you are eligible for Universal Credit, Council Tax Support, or discretionary housing payments. Even if you work full-time, low-income thresholds have shifted in 2026. Use an independent benefits calculator to ensure you claim what you are owed.

If you cannot afford your energy meter or basic utilities, contact your supplier immediately. Under Ofgem regulations, suppliers must offer affordable payment plans. You can also contact your local council to ask about the Household Support Fund or local welfare assistance schemes for emergency token credits.

While waiting for benefits assessments or council support schemes to process, taking immediate control of your daily cash outflow can prevent short-term debt.

Once you've secured extra income and stabilised your urgent bills, keep a simple weekly budget so you can spot pressure points early. Free tools from StepChange, Citizens Advice and National Debtline can help you build a sustainable plan — and none of them charge a fee.