With a series of bills set to rise next month, coupled with potential welfare cuts, families across the UK are bracing for an even tighter squeeze on their budgets. However, despite the tough outlook, help is still at hand.
According to Policy in Practice, an estimated £22.7 billion goes unclaimed each year as vulnerable households remain unaware of the support they could be accessing.
Citizens Advice has a comprehensive list of the different types of help that struggling households can access, even if they’re not currently receiving any DWP benefits. This is the first step the charity recommends.
Benefits such as Universal Credit, Carer’s Allowance, Jobseeker’s Allowance, Pension Credit and many others have been specifically designed to assist UK households facing financial hardship.
Eligibility for these depends on your individual circumstances, but using a benefit checker can clarify what you might be entitled to. For those finding it difficult to make ends meet due to debt, discussing your situation with the organisations you owe money to could open up lifelines like payment breaks, repayment plans or even discounts.
The energy price cap is set to rise by 6.4% from April 1st, but if you’re struggling to keep up, your energy supplier might be able to provide assistance.
You could also consider switching suppliers or tariffs to save money, and comparison websites can help determine if you’re getting the best deal for your situation.
Certain suppliers may offer fuel vouchers, payment plans or grants to vulnerable customers. Some are part of initiatives like the Energy Company Obligation, which covers the cost of heating upgrades, or the Great British Insulation Scheme that provides free or discounted insulation upgrades.
Your local council might be able to assist if you’re having difficulty with other bills such as water, food or essential items.
For instance, the Household Support Fund has been extended until 2026, enabling councils to support their communities however they deem appropriate.
You will need to check with your specific council what help they offer and the eligibility criteria for it.
Your council could also refer you to warm welcome spaces or a food bank. Warm welcome spaces are public areas where you can go if you need a free, warm, welcoming and safe space, like local libraries for example.
Some people may find managing their finances challenging due to a lack of understanding, but numerous online budgeting tools can assist in identifying potential cost-cutting measures.
Debt charities and advisors, such as those available through Citizens Advice, are also on hand to help. Depending on your circumstances, you may also qualify for charitable grants. Turn2Us provides a comprehensive list of available grants and a checker tool to determine your eligibility.
