District Provision Tool - Debt and money management - Guidance

Debt and money management

Help and advice including cost of living support, online calculators and tools, health related support and medical grants, utility support, savings and bank accounts.

England: national support

Online calculators and tools

Benefit Calculators on 188体育鈥� independent, anonymous benefit calculators

Benefits Checker on 188体育鈥� to find out what support is available to help with living costs

鈥� search for local debt advice

Find your local council on 188体育鈥� for local support options

鈥� to help people budget whilst on Universal Credit

Help and advice with debt and money management

鈥� local directories of support for work, money, housing and benefit advice

Bankruptcy guide on 188体育鈥� information on what bankruptcy means for individuals

鈥� scheme to get up to 60 days respite from interest, fees and court action on your debts

鈥� debt advice, job clubs, budgeting support and life skills

鈥� information on debt, mortgage and rent problems and creditor action

Universal Credit debt and rent arrears 鈥� help with debt and rent arrears for Universal Credit customers

Court claims, debt and bankruptcy on 188体育鈥� a list of guides for debt recovery for individuals and businesses

鈥� provides confidential debt advice

鈥� provides debt advice

鈥� online advice for budgeting, dealing with reduced income, managing self-employment and redundancy

- Get government cost of living support

鈥� investigates illegal money lending and related offences

鈥� debt advice based on real life money issues like benefits, household bills and employment

Individual Voluntary Arrangements on 188体育鈥� information about different options to pay off your debts

鈥� provides budgeting and debt advice

鈥� helps individuals and charities apply for grants with home energy costs and general budgeting support

鈥� provides debt and budgeting advice

鈥� impartial money advice, tools and calculators for budgeting

鈥� debt advice, mental health information when dealing with debt, practical money saving tips and deals

鈥� support for clearing and managing your debt

鈥� provides debt advice

鈥� provides financial advice for people with no recourse to public funds

鈥� free budgeting and money courses

鈥� provides debt advice and debt management plans

鈥� a debt advice service ran by Shelter

鈥� provides debt advice and debt management plans

鈥� advice about how to avoid illegal money lenders and how to report them

鈥� tax advice and training for tax matters for people aged 60 and over on lower incomes

鈥� tax advice for people on low incomes

鈥� budgeting advice and online budgeting courses

鈥� budgeting and debt advice, sometimes inside a food bank

鈥� support with benefits, debt, housing and legal issues alongside a benefit calculator and grant search tool

UK 鈥� provides debt and budgeting support focused on Spanish-Portuguese people

鈥� provides disabled cinema guests an additional ticket for someone to go with them

鈥� grants for children and young people aged 17 and under with additional needs to buy practical items or respite breaks

鈥� grants for people who are ill, convalescent or disabled for medical or household aids

鈥� provide budgeting and debt advice for people experiencing issues with mental health and money

鈥� help with health costs for people getting Universal Credit

鈥� support worker referred grants to individuals on a low income with serious long term illnesses over the age of 65

鈥� grants for families facing financial hardship while caring for a child with a serious illness for medical related expenses

鈥� grants for specialised medical equipment

鈥� grants for people with mental health conditions for essential household items, specialist equipment and carers breaks

鈥� online booklets to explain money and finance for people with learning disabilities

Support for specific industries with debt and money management

鈥� fund for those involved the travel industry (COVID-19 related)

鈥� fund for artists, freelancers and creative practitioners in the cultural sector (COVID-19)

鈥� support for construction works

鈥� support for people working in the construction industry

鈥� health and wellbeing support for the automotive community

鈥� debt advice for self-employed and small businesses

鈥� fund and support for those working in retail

鈥� financial assistance for CIOB members

鈥� grants, advice and support for mine workers

鈥� advice and support for people working in the drinks industry

鈥� counselling, debt and legal advice for people working in the electrical industry

鈥� debt advice and support for the farming community

鈥� grants for families and carers who have worked in the textile industry for children鈥檚 bedding, clothing and essential household items

鈥� civil servant charity offering practical and financial advice

鈥� financial support to those working in the grocery industry

鈥� debt support for hairdressers and beauty therapists

鈥� financial support for armed forces personnel living with an injury or illness from the time during service

鈥� debt advice for musicians and creative musician grants

鈥� a hospitality industry focused emergency fund and tip jar

鈥� financial and emotional support for people working in the drinks industry

鈥� advice, support and financial assistance to people working in horticulture 鈥� including their immediate family

鈥� financial support for members of the Transport Benevolent Fund

鈥� debt advice, grants, a family fund and signposting to other services for people working on the railway

鈥� support for professional trade people and workers in the manufacturing, wholesale, retail and distribution areas of glass, houseware and gardening products.

鈥� financial support and advice for people working in retail

鈥� support for farmers in financial difficulty

鈥� cost of living grants for kitchen appliances and energy costs

鈥� debt and financial support for writers, illustrators, scriptwriters and journalists

鈥� short term financial support for people working backstage or front of house in theatres

鈥� emergency funds for care workers for illness, self isolation or funeral costs

鈥� fund for nurses and health care assistants for essential household items

鈥� financial support for Unison members

鈥� benevolent fund for Unite the Union members and employees

Savings and bank accounts

- a financial co operative which provides savings, loans and a range of services to its members.

Help to Save on 188体育鈥� a government savings account for certain people entitled to Working Tax Credit or Universal Credit to get a bonus of 50p for every 拢1 they save over 4 years

鈥� supporting those with no fixed address open a bank account

Utilities

鈥� help to tackle fuel poverty

鈥� signposting for debt support, budget planning, tariff switching and energy grants

鈥� low cost broadband and phone tariffs

鈥� independent representatives for water consumers in England and Wales

Cost of living support on 188体育鈥� policy paper on the cost of living support

Coronavirus advice for paying bills on 188体育鈥� COVID-19 specific advice

Disability Cost of Living Payment 鈥� a lump sum payment of 拢150 for certain people

鈥� grants to clear gas and electric debts owed by EDF customers

Energy Price Guarantee on 188体育鈥� latest government announcement for families and businesses on the Energy Price Guarantee

鈥� financial and budgeting support for EON customers with arrears

鈥� financial advice for managing energy bills

鈥� household support for reducing bills and carbon emissions

鈥� discount broadband for Universal Credit customers

鈥� discount broadband social tarrif

鈥� home energy advice for reducing bills and finding a better energy tarrif

鈥� cheaper broadband tariffs for people on benefits

鈥� pay your bills, top-up or redeem credit vouchers using a PayPoint

鈥� energy and water advice for disabled people

鈥� pre-paid 6 month fibre broadband for jobseekers

鈥� mobile phones with 3 months credit for vulnerable and disadvantaged people

鈥� support for people struggling to pay their water bills for United Utility customers

鈥� broadband deals for low income families

鈥� broadband deals for people of means-tested benefits

鈥� mobile phone deals for low income families

鈥� help and advice for energy grants, energy saving and insulation

Warm Home Discount Scheme on 188体育鈥� information on a one off discount from electric bill

鈥� help paying water bills

Schemes and grants for debt and money management

30 hours free childcare on 188体育鈥� information about the childcare scheme

Advanced Learner Loan on 188体育鈥� information on loans to support the costs of further education

鈥� A grant-funder that supports disadvantaged communities across the UK

鈥� arrange a trusted friend or volunteer to withdraw cash using a single use voucher at a Post Office, bank, building society or credit union

鈥� financial support for young people up to the age of 18 that must be applied for by a registered referrer that is supporting the applicant

鈥� provides financial support and advice to anyone with money problems

鈥� information about things you may be entitled to if you have young children and claim a means-tested benefit

鈥� a third party referral grant for state retirement age people on a low income to cover home essentials and digital connections

Free School Meals on 188体育鈥� apply for free school meals

鈥� hardship grants to be applied for through a charity or community organisation

鈥� weekly vouchers for milk, fruit, vegetables and infant formula milk

鈥� government website listing cost of living support

鈥� provides vulnerable households with replacement home appliances

Household Support Fund 鈥� information about the household support fund 鈥� eligibility is determined by the local authority

鈥� directory of places where children can eat for free during half term

Legal Aid on 188体育鈥� information about Legal Aid

鈥� lower prices for redirection for anyone claiming Universal Credit

School uniform costs on 188体育鈥� information to get help with school uniform costs

School transport support on 188体育鈥� check your eligibility for help with the cost of school transport

鈥� can provide discretionary housing payments alongside housing advice

鈥� runs a Women鈥檚 Resilience Fund for women on a low income alongside financial advice

鈥� provides loans and grants to students in universities and colleges

鈥� free cleaning service for unemployed people going to an interview

鈥� travel discount for jobseekers

Universal Credit 鈥� other financial support available on 188体育鈥� information on advances, hardship payments and budgeting loans

Avon, Somerset and Gloucestershire

Help and advice with debt and money management

A network of advice centres in the South West of England, working in partnership to combat poverty

- Help and advice for Bromford customers

- energy-saving resources

- A money advice programme for anyone worried about debt

- Debt and budgeting advice

- Financial support and advise service

鈥� Advice for people with financial problems in Bristol

- support with claiming benefits, managing bills and personal budgets

- Free, Confidential & Impartial Money & Debt Advice for customers in West Somerset

- Financial support and advise service

鈥� provides a range of services to people living in the local community

鈥� help and advice for Two Rivers Housing customers

Utilities

鈥揝outh Gloucestershire free energy efficiency advice

- for those aged 50+ and those clinically extremely vulnerable

Bedfordshire and Hertfordshire

Help and advice with debt and money management

- Debt Advice Service Authorised and Regulated by the Financial Conduct Authority (FCA)

- CBC are offering additional financial support to those receiving Council Tax Support, Housing Benefit and Local Housing Allowance

- Support and advice on debt and money problems

- The Salvation Army offer a free, confidential, professional service for those struggling with their personal finances

- Council鈥檚 benefits service provides advice and guidance on money matters

- Grants of up to 拢300 for families in crisis. Applications must come from organisation supporting the family

- Help with food/furniture/keeping warm/finances

- Supporting people facing unexpected and exceptional financial pressure

- Budgeting support from Herts County Council Money Advice Unit

- Providing support for Crisis Awards or Community Care Awards

- Free and confidential service open to the whole community of Luton

- covers postcodes LU1 to LU7, and offers an alternative to High Street Banks

- Provides various details of various support available

Berkshire, Buckinghamshire and Oxfordshire

Help and advice with debt and money management

- see website for details

- cost of living advice and support

鈥� see website for details

- to support residents facing financial hardship this winter

- advice and support if you are struggling to make ends meet

- 聽provide support to a wide range of people through projects across the county of Buckinghamshire

Devon and Cornwall

Help and advice with debt and money management

鈥� provides money and debt advice

鈥� provides money, budgeting and debt advice

鈥� provides debt advice

- supporting the Cornish community with money and debt management

鈥� provides money and debt advice

Utilities

- Homeowners with a disability over the age of 18.聽 Can assist households with gas servicing and essential repairs to help them stay gas safe in their homes

- a community enterprise created to help address the issues of fuel poverty in Cornwall

Dorset, Wiltshire, Hampshire and Isle of Wight

Help and advice with debt and money management

Debt and money management advice

- - Budgeting, claiming benefits, help with priority bills, help to open bank accounts, assist with signposting to other agencies

- Residents financial聽and debt advice

- Online Managing your Money course

鈥� Weymouth- Offers benefit advice

- Supports vulnerable women affected by financial difficulty

- Assistance with accessing and appealing benefit claims, budgeting and household debt and rent arrears

- Benefits and debt advice

- Provides expert help to those who are under the burden of debt

- Hampshire- Free and confidential information advice counselling and support, including on debt, for people aged under 26

- Money Advice

- Financial advice

- Finances support

鈥� Isle of Wight Directory of financial and debt advice

Utilities

- Bill payment options聽and advice

East London

Help and advice with debt and money management

鈥� offers free debt advice to vulnerable people in East London

Money A+E 鈥� contact your Work Coach about this workshop on reducing your bills and how to bank online in Hackney

鈥� provides financial advice for people in Newham

The Branches 鈥� contact your Work Coach about this benefits and housing support service in Walthamstow

Schemes and grants for debt and money management

鈥� offers a Havering Emergency Assistance Scheme for people in a crisis in Havering

Essex

Help and advice with debt and money management

Colchester Borough Council 鈥� contact your Work Coach about contacting the Financial Employment Support and Employment Team for people in Colchester

鈥� local information and signposting to local support services for debt and money advice

鈥� local information and signposting to support services for debt and money advice

鈥� contact your Work Coach about this 6 week money management programme for people in Essex

Schemes and grants for debt and money management

鈥� provides an essential living fund for people in crisis in Thurrock

Kent

Help and advice with debt and money management

鈥� advice for rent and mortgage arrears, fines and other debt issues in Ashford

鈥� provides debt and money advice for people in Sevenoaks, Tonbridge and Tunbridge Wells

鈥� provides budgeting, debt and welfare advice for people in Swale

鈥� provides money and debt advice for Paddock Wood, Tonbridge and Tunbridge Wells

鈥� provides money and housing advice for people in Sheppey and Sittingbourne

Utilities

鈥� runs a Fuel and Water Adviser Service for people in Swale

鈥� has four affordability schemes for Southern Water customers

Schemes and grants for debt and money management

鈥� runs a Home Essentials in a Crisis scheme for short term assistance in an emergency

鈥� support for essential household goods for ME1 and ME2 postcodes only

North London

Savings and bank accounts

鈥� provides support for people who need to open a bank account, based in Victoria

South London

Help and advice with debt and money management

- supports adults who are facing social, mental, financial or other personal difficulties

Surrey and Sussex

Help and advice with debt and money management

- providing debt advice for people living in the vicinity of Redhill, Surrey.

- Help with money worries

- Free debt and welfare benefit advice

- free and confidential Welfare Benefits advice, information and representation to the people of East Sussex

Cheshire

Help and advice with debt and money management

- offers free debt and benefit advice and money education in Chester

- help with food parcels, essential appliances for the home, essential furniture, utility cards to help pay for utility bills at the Post Office.

Cumbria and Lancashire

Help and advice with debt and money management

- a community organisation offering free legal advice and representation to people who live or work in the county.

- offer free advice to women in Lancashire if you are worried about any aspect of debt.

Durham and Tees Valley

Help and advice with debt and money management

- provides a free, impartial, independent and confidential one to one Information and Advice Service.

Greater Manchester

Help and advice with debt and money management

- helping everyone in the city with the cost of living and finding ways for residents to become better off.

Merseyside

Help and advice with debt and money management

- give advice and support on benefits and debt, budgeting and money management help, and support with other costs such as fuel and clothes

- deliver support in three main areas: Money Management; Food Poverty; and Community Wellbeing.

- organisations that provide information or advice on benefits, debt, money management, housing options, as well as help with accessing food/groceries or paying for your fuel bills.

Northumberland, Tyne and Wear

Help and advice with debt and money management

- integrated range of social, economic and financial inclusion services

- Debt and money advice

West Yorkshire

Help and advice with debt and money management

- help and advice on debt and benefits

- Money Information Centre

- Money advice

Birmingham and Solihull

Help and advice with debt and money management

Balsall Heath Church Centre 鈥� offers support with Benefits, Housing, Debt, Neighbourhood Policing and Anti-Social Behaviour

Birmingham Debt Advice Team 鈥� offers help with financial issues, debts, and mortgage rescue for those at risk of losing their home

鈥� offers advice and guidance on debt and welfare benefits - B7 postcode residents have priority

- offers free, confidential, and independent budgeting and debt advice and practical help to escape debt in the south Birmingham area

鈥� provides debt advice support for rent arrears and problems paying rent or bills

- provides free, confidential, and impartial advice for people living in Birmingham on a wide range of money, benefit, housing, or employment issues

Black Country

Help and advice with debt and money management

- supporting the people of Walsall with debt and welfare benefits advice

- Resource Centre incorporating Willenhall Money Advice

- Money advice and budgeting service

- providing financial support and debt guidance

- operates a free advice and advocacy service for anyone living or working in the borough of Walsall.

- help residents to gain full entitlement to Welfare benefits but also concentrate on quality of life improvements

- give free advice and support on all welfare benefits

Utilities

- Support with billing queries, energy usage and efficiency for the whole community of Sandwell regardless of their supplier

Savings and bank accounts

- access to loans and financial services in the West Bromwich area

- loans and savings for the West Midlands

- access to loans and financial services in Walsall

- access to loans and financial services for people who live or work in a WV postcode area

East Anglia

Help and advice with debt and money management

- provides cost of living advice and support

- provides a wide range of advice

- offers light touch financial support with managing debt

- offers a drop鈥搃n service for free confidential help and advice on money matters for people living in Cambridgeshire, Peterborough, Fenland and North Norfolk

- provides help with money concerns and personal debt

- provides advice on changes that could be made to reduce energy costs and improve efficiency

- offering advice and information to isolated communities

Utilities

- offers discounted tariffs on water bills, temporary payment plans and forgiveness schemes

- offers lower bills to eligible customers

- provides energy efficiency advice by phone

- offers a reduced tariff for people with a water meter in receipt of certain benefits or are struggling to pay their bill

Schemes and grants for debt and money management

- provides free computers to get families online

鈥� offers a Job Track scheme with discounted travel to interviews and the first two months or starting a new job

- provides help for those in need within the borough to relieve hardship or stress by paying for items

- provides grants to individuals under 25 years old on a household income below 拢700

- provides grants for education to young Norwich people aged under 25

Leicestershire and Northamptonshire

Help and advice with debt and money management

鈥� provides support to vulnerable people

鈥� provides money management support and advice for Leicester City tenants

鈥� offers money and debt advice in Leicestershire

FreeDA 鈥� offers free debt advice and budgeting support

- offers help and advice with money matters

鈥� offers Confidential and impartial advice service concerning money and debt problems

鈥� offers free debt advice

鈥� offers financial advice support

鈥� offers a variety of financial help in the LE2 area

鈥� offers debt advice

Savings and bank accounts

- provides a range of financial products and services to the local communities of Leicester, Leicestershire, Rutland, Northamptonshire, Coventry and Warwickshire

Utilities

Energywise Leicester 鈥� offers advice and support with managing energy costs and usage, manage and resolve issues with energy accounts

Schemes and grants for debt and money management

鈥� offers free gas connection and central heating to homes

Lincolnshire, Nottinghamshire and Rutland

Help and advice with debt and money management

- offers specialist debt advice

- offers debt advice

鈥� offers a range of information and support with finances

Money Management for Lincolnshire residents 鈥� provides a free 2 hour online home budgeting course

- provides support and tailored interventions for people experiencing the greatest financial difficulty

- co-ordinates a duty scheme at Court to offer advice and representation to individuals at mortgage and rent possession Hearings

- offer free-of-charge clothing to people in economic difficulty

- offers debt advice

Utilities

Advice Nottingham - Fuel Debt 鈥� provides advice and support with fuel debt

鈥� provides up to 90% reductions for people on a low income

鈥� offers advice on tariff switching, practical energy advice, broken heating, home insulation

Schemes and grants for debt and money management

鈥� offers support to buy white goods, for people in need who live in the city of Lincoln

Mercia

Help and advice with debt and money management

- offers free financial advice, information and support to Coventry residents

- provides support with managing debt, budgeting, claiming benefits and better off calculation

- provides help for people having problems with money and debt

Savings and bank accounts

- provides people who live in Worcestershire, Herefordshire and Shropshire who are experiencing financial difficulties with no-interest loans

Utilities

- provides a variety of support for Coventry residents

- provides a variety of support for Herefordshire residents

Staffordshire and Derbyshire

Help and advice with debt and money management

- provides free, confidential and independent advice around money and debt problems, budgeting and welfare benefits

- provides places where people can meet up, socialise, and access support, relating to the cost of living

- provides help to claimants who are in crisis with benefits and debt advice

- offers free advice on issues regarding debt and homelessness

- provide free and independent welfare rights advice

- provides information and advice around debt and housing issues

- offers free money advice

- provides support with essential items

- offers debt advice, training, guidance and information on managing finances

- provides a free, impartial and confidential debt advice service

Sign Post Centre Stafford - provides a free legal advice drop-in service on the second Wednesday each month

- offers support through the cost of living crisis

Savings and bank accounts

- offers payroll savings and loans

Utilities

- can reduce the cost of heating oil by negotiating with oil suppliers for a bulk order

- can pay for a delivery of 500 litres of oil or other fuel cost

- provides practical solutions for customers worried about their energy bills

- free, independent and impartial advice to help reduce bills and tackle fuel poverty

- offers independent advice on a range of energy related issues

- provides a discount on water charges if eligible

Scotland: national support

Online calculators and tools

Benefit Calculators on 188体育鈥� independent, anonymous benefit calculators

Benefits Checker on 188体育鈥� to find out what support is available to help with living costs

鈥� search for local debt advice

Find your local council on 188体育鈥� for local support options

鈥� to help people budget whilst on Universal Credit

Help and advice with debt and money management

鈥� local directories of support for work, money, housing and benefit advice

鈥� a local information service for Scotland that includes money advice

Bankruptcy guide on 188体育鈥� information on what bankruptcy means for individuals

鈥� scheme to get up to 60 days respite from interest, fees and court action on your debts

鈥� debt advice, job clubs, budgeting support and life skills

鈥� help and information on finances and debt

鈥� a directory of organisations who provide free cost of living advice

Court claims, debt and bankruptcy on 188体育鈥� a list of guides for debt recovery for individuals and businesses

鈥� provides confidential debt advice

鈥� provides debt advice

鈥� online advice for budgeting, dealing with reduced income, managing self-employment and redundancy

鈥� investigates illegal money lending and related offences

鈥� debt advice based on real life money issues like benefits, household bills and employment

鈥� produce leaflets to provide details of local money advice and 鈥榗ash first鈥� options

Individual Voluntary Arrangements on 188体育鈥� information about different options to pay off your debts

鈥� provides budgeting and debt advice

鈥� helps individuals and charities apply for grants with home energy costs and general budgeting support

鈥� support for people in debt

鈥� impartial money advice, tools and calculators for budgeting

鈥� debt advice, mental health information when dealing with debt, practical money saving tips and deals

鈥� support for clearing and managing your debt

鈥� provides debt advice

鈥� provides financial advice for people with no recourse to public funds

鈥� free budgeting and money courses

鈥� provides debt advice and debt management plans

鈥� advice about how to avoid illegal money lenders and how to report them

鈥� tax advice and training for tax matters for people aged 60 and over on lower incomes

鈥� tax advice for people on low incomes

鈥� budgeting advice and online budgeting courses

鈥� budgeting and debt advice, sometimes inside a food bank

鈥� support with benefits, debt, housing and legal issues alongside a benefit calculator and grant search tool

UK 鈥� provides debt and budgeting support focused on Spanish-Portuguese people

鈥� information for young people about budgeting and debt

鈥� provides disabled cinema guests an additional ticket for someone to go with them

鈥� grants for children and young people aged 17 and under with additional needs to buy practical items or respite breaks

鈥� grants for people who are ill, convalescent or disabled for medical or household aids

鈥� provide budgeting and debt advice for people experiencing issues with mental health and money

鈥� help with health costs for people getting Universal Credit

鈥� support worker referred grants to individuals on a low income with serious long term illnesses over the age of 65

鈥� grants for families facing financial hardship while caring for a child with a serious illness for medical related expenses

鈥� grants for specialised medical equipment

鈥� grants for people with mental health conditions for essential household items, specialist equipment and carers breaks

鈥� online booklets to explain money and finance for people with learning disabilities

鈥� a fund for any parent, parent substitute of a young inpatient under the age of 18 receiving hospital care to claim for the costs of travel and food

Support for specific industries with debt and money management

鈥� fund for those involved the travel industry (COVID-19 related)

鈥� fund for artists, freelancers and creative practitioners in the cultural sector (COVID-19)

鈥� support for construction works

鈥� support for people working in the construction industry

鈥� health and wellbeing support for the automotive community

鈥� debt advice for self-employed and small businesses

鈥� fund and support for those working in retail

鈥� financial assistance for CIOB members

鈥� grants, advice and support for mine workers

鈥� advice and support for people working in the drinks industry

鈥� counselling, debt and legal advice for people working in the electrical industry

鈥� debt advice and support for the farming community

鈥� grants for families and carers who have worked in the textile industry for children鈥檚 bedding, clothing and essential household items

鈥� civil servant charity offering practical and financial advice

鈥� financial support to those working in the grocery industry

鈥� debt support for hairdressers and beauty therapists

鈥� financial support for armed forces personnel living with an injury or illness from the time during service

鈥� debt advice for musicians and creative musician grants

鈥� a hospitality industry focused emergency fund and tip jar

鈥� financial and emotional support for people working in the drinks industry

鈥� advice, support and financial assistance to people working in horticulture 鈥� including their immediate family

鈥� financial support for members of the Transport Benevolent Fund

鈥� debt advice, grants, a family fund and signposting to other services for people working on the railway

鈥� support for professional trade people and workers in the manufacturing, wholesale, retail and distribution areas of glass, houseware and gardening products.

鈥� financial support and advice for people working in retail

鈥� support for farmers in financial difficulty

鈥� cost of living grants for kitchen appliances and energy costs

鈥� debt and financial support for writers, illustrators, scriptwriters and journalists

鈥� short term financial support for people working backstage or front of house in theatres

鈥� emergency funds for care workers for illness, self isolation or funeral costs

鈥� fund for nurses and health care assistants for essential household items

鈥� financial support for Unison members

鈥� benevolent fund for Unite the Union members and employees

Savings and bank accounts

- a financial co operative which provides savings, loans and a range of services to its members.

Help to Save on 188体育鈥� a government savings account for certain people entitled to Working Tax Credit or Universal Credit to get a bonus of 50p for every 拢1 they save over 4 years

鈥� supporting those with no fixed address open a bank account

Utilities

鈥� help to tackle fuel poverty

鈥� signposting for debt support, budget planning, tariff switching and energy grants

鈥� low cost broadband and phone tariffs

Cost of living support on 188体育鈥� policy paper on the cost of living support

Coronavirus advice for paying bills on 188体育鈥� COVID-19 specific advice

Disability Cost of Living Payment 鈥� a lump sum payment of 拢150 for certain people

鈥� grants to clear gas and electric debts owed by EDF customers

Energy Price Guarantee on 188体育鈥� latest government announcement for families and businesses on the Energy Price Guarantee

鈥� financial and budgeting support for EON customers with arrears

鈥� financial advice for managing energy bills

鈥� discount broadband for Universal Credit customers

鈥� discount broadband social tarrif

鈥� home energy advice for reducing bills and finding a better energy tarrif

鈥� cheaper broadband tariffs for people on benefits

鈥� pay your bills, top-up or redeem credit vouchers using a PayPoint

鈥� a crisis fund to help households experiencing fuel poverty

鈥� pre-paid 6 month fibre broadband for jobseekers

鈥� mobile phones with 3 months credit for vulnerable and disadvantaged people

鈥� support for people struggling to pay their water bills for United Utility customers

鈥� broadband deals for low income families

鈥� broadband deals for people of means-tested benefits

鈥� mobile phone deals for low income families

鈥� help and advice for energy grants, energy saving and insulation

Warm Home Discount Scheme on 188体育鈥� information on a one off discount from electric bill

鈥� help paying water bills

Schemes and grants for debt and money management

30 hours free childcare on 188体育鈥� information about the childcare scheme

Advanced Learner Loan on 188体育鈥� information on loans to support the costs of further education

鈥� A grant-funder that supports disadvantaged communities across the UK

鈥� arrange a trusted friend or volunteer to withdraw cash using a single use voucher at a Post Office, bank, building society or credit union

鈥� financial support for young people up to the age of 18 that must be applied for by a registered referrer that is supporting the applicant

鈥� support for when you are pregnant or looking after a child

鈥� provides financial support and advice to anyone with money problems

鈥� information about things you may be entitled to if you have young children and claim a means-tested benefit

鈥� a third party referral grant for state retirement age people on a low income to cover home essentials and digital connections

Free School Meals on 188体育鈥� apply for free school meals

鈥� hardship grants to be applied for through a charity or community organisation

鈥� government website listing cost of living support

鈥� provides vulnerable households with replacement home appliances

鈥� support for people looking at energy efficiency or greener ways to live including grants for energy saving home improvements

Household Support Fund 鈥� information about the household support fund 鈥� eligibility is determined by the local authority

鈥� directory of places where children can eat for free during half term

Legal Aid on 188体育鈥� information about Legal Aid

鈥� lower prices for redirection for anyone claiming Universal Credit

School uniform costs on 188体育鈥� information to get help with school uniform costs

School transport support on 188体育鈥� check your eligibility for help with the cost of school transport

鈥� can provide discretionary housing payments alongside housing advice

鈥� runs a Women鈥檚 Resilience Fund for women on a low income alongside financial advice

鈥� provides loans and grants to students in universities and colleges

鈥� free cleaning service for unemployed people going to an interview

鈥� travel discount for jobseekers

Universal Credit 鈥� other financial support available on 188体育鈥� information on advances, hardship payments and budgeting loans

North East Scotland

Online calculators and tools

鈥� tools for managing your money and a cost of living tool

Help and advice with debt and money management

鈥� offers budgeting advice for people in Aberdeen

鈥� runs a Financial Inclusion Service for people in Aberdeen

鈥� runs an energy and debt advice service for people in Fife

鈥� a community hub that offers benefit and money advice

鈥� runs a council advice service that offers money, debt, benefit and energy advice for people in Dundee

鈥� support money and debt counselling, benefit entitlements and tribunal representation for people in Dundee

MacMillan Project Workers 鈥� contact your Work Coach about MacMillan鈥檚 money and finance project worker for people with cancer in Aberdeenshire

Central Scotland

Help and advice with debt and money management

鈥� offers benefit and money advice, an income maximisation service and bespoke support for complex cases

East Scotland

Help and advice with debt and money management

鈥� provides advice on welfare, finance, equality and inclusion in West Lothian

鈥� provide budgeting advice and advocacy for people with mental ill-health in Edinburgh

鈥� a Community Help and Initiative Service to providing welfare, financial and emotional support to Edinburgh and the Lothians

鈥� provides advice on accessing benefits and money management for people in Clackmannanshire

鈥� provides impartial debt advice for people in Falkirk and Grangemouth

鈥� provides advice on accessing benefits for people in Falkirk and Grangemouth

鈥� offers advice on benefits, money matters and employability related issues in West Lothian

Northern Scotland

Help and advice with debt and money management

鈥� provides benefit and money advice for Inverness, Nairn and Inverness-shire

鈥� has an Income Maximisation team to provide money and benefit advice to people in Moray

REAP 鈥� contact your Work Coach about this energy advice service for people in Keith

South West Scotland

Help and advice with debt and money management

Cunninghame Housing Association 鈥� contact your Work Coach about this energy advice service and in some cases emergency funding opportunity to people living in Dumfries and Galloway

Kates Kitchen 鈥� contact your Work Coach about this energy and money advice service for people in Annan

Money Matters Advice Service 鈥� contact your Work Coach about this welfare and money advice service in Hamilton

West Scotland

Help and advice with debt and money management

鈥� provides energy advice for for people in Argyll and Bute

鈥� information and welfare advice for Argyll and Bute

鈥� provides welfare, money and budgeting advice for Argyll and Bute

鈥� a food, fuel and finance advice service for people in Renfrewshire

鈥� offers financial advice to people in Inverclyde

鈥� provides welfare advice and access to council services in North Lanarkshire

鈥� an advisory team that provides debt and financial advice to people in Inverclyde

鈥� offers benefit advice to people with cancer in Inverclyde

Support for specific industries with debt and money management

鈥� a charity that supports Fisherman with grants and welfare advice in Campbeltown and Oban

Schemes and grants for debt and money management

Invest in Renfrewshire 鈥� contact your Work Coach about this support fund for parents transitioning into work over a three month period## Debt and Money Management 鈥� savings and bank accounts

Wales: national support

Online calculators and tools

Benefit Calculators on 188体育鈥� independent, anonymous benefit calculators

Benefits Checker on 188体育鈥� to find out what support is available to help with living costs

鈥� search for local debt advice

Find your local council on 188体育鈥� for local support options

鈥� to help people budget whilst on Universal Credit

Help and advice with debt and money management

鈥� local directories of support for work, money, housing and benefit advice

鈥� offers advice on welfare benefits, debt, money advice and other issues

Bankruptcy guide on 188体育鈥� information on what bankruptcy means for individuals

鈥� scheme to get up to 60 days respite from interest, fees and court action on your debts

鈥� debt advice, job clubs, budgeting support and life skills

鈥� help with debt and rent arrears for Universal Credit customers

鈥� information on what benefits are available to people in Wales

鈥� up to 12 week programme to help people manage money and budget on a low income