Following on from our article back in March showing where you can go for help and support if you are struggling with the cost of living crisis, we have updated our 5 steps to include the latest information. We will continue to share with you any additional updates as and when they are announced.

If you are worried about money, please use this guide to help you. The sooner you take action the better and we can help you to work through all these suggested actions.

Step 1 – Check your entitlements

Complete a benefits check. Benefits Calculator – entitledto – independent | accurate | reliable

This tells you if there is more money help with your everyday living and housing costs, such as

  • Universal Credit
  • Disability and Carers benefits
  • Pension credit
  • Help with childcare costs

Always seek specialist help when applying for a carer/ disability / health related benefit.

Other help you can apply for:

  • Warm Home Discount – this discount is made direct to your electricity bill for households on a low income. Contact your supplier to find out if they offer and the qualifying criteria and when to apply.  Warm Home Discount Scheme – GOV.UK (

Other essential help

Step 2 – Make a budget

Step 3 – Save money on everyday costs

Energy (Gas and Electric)

  • Check with your supplier if you’re getting the best deal – at the moment with high energy prices a fixed deal may not suit you but ask your energy supplier for advice
  • Take meter readings regularly to see how much you are using and consider a smart meter
  • If you are on prepayment meter try and top up regularly all year
  • If you are older, have young children and /or a health condition or disability ask to go onto the priority services register with your supplier
  • Energy saving tips here


Phone / Internet / TV packages

  • BT, Talk Talk, Hyperoptic, VirginMedia and KCOM offer discounted rates for households on relevant benefits. More information here Cheaper broadband and phone packages – Ofcom
  • Use a comparison site to check that you are on the best deal available. Review your subscriptions and ensure that you are only paying for what you need
  • TV Licence: If you watch or record live TV or use BBC iPlayer without a licence, you may be prosecuted and fined up to £1000. TV Licence – TV Licensing ™

Step 4 – Take action on debt

  • Contact a debt advice agency if you have bills or borrowing that you cannot afford, get free, independent debt advice from a regulated service. A debt advisor can help you get some breathing space to manage your situation better and work out the best way forward.
  • Avoid loan sharks – Loan sharks take advantage of people struggling who feel they have nowhere else to turn. If you are offered money with little paperwork but high charges avoid and contact the free helpline on 0300 555 2222.

Step 5 – Useful websites                           

Welcome to GOV.UK (    

National Energy Action (NEA) – the UK’s leading fuel poverty charity