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Help with money

Take one small step today...

When money feels tight, even small actions can make a big difference. This page is packed with tips you can use to find extra support, save money, and feel more in control.

Start your budget
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Pick one thing to start with. You’ve already made a positive step by being here.

Managing your money

Cut your everyday costs

Energy and broadband can be cheaper if you’re eligible for a social tariff.
Check with your provider - you could save hundreds a year.
Not sure where to start? Use Ofgem’s approved supplier list to see deals for people on low incomes.

Lower your repayments

If you’re finding it hard to keep up with payments, talk to your lender.
Many offer hardship support that won’t affect your credit score.
Ask about "payment arrangements" or "breathing space" options. Remember to have your IE Hub budget to hand, it will help with the conversation.

Save on essential costs

Food, toiletries, and household basics don't have to break the bank.
Look for loyalty cards, “wonky” veg deals, and local community food projects.
Some supermarkets and charities run low-cost food shops open to everyone.

Finding extra help

Check for unclaimed benefits

Millions of people miss out on money they’re owed.
Try our free benefits checker!
You might qualify for benefits, council tax reductions, or energy grants even if you’re working.

Get help with housing costs

If you’re struggling with rent or council tax, there may be extra help available.
Ask your local council about discretionary housing payments (DHPs) or council tax hardship funds.
Support is often available even if you’ve been turned down elsewhere.

Food and essentials support

Food banks, community kitchens, and local welfare funds can help you cover essentials during tough times.
Find your nearest support through the Trussell Trust or local council websites.
You don’t always need a referral - some community fridges and pantries are open to all.

Reducing money stress

Speak to someone who gets it

You don't have to face this alone.
Free organisations like Citizens Advice and StepChange can listen, not judge, and help you find a way forward.
They can even speak to creditors on your behalf if you need it.

Take care of your mental health

Money worries are stressful, but support is out there.
Free apps like Every Mind Matters offer quick wellbeing tips.
If you’re feeling overwhelmed, it’s always OK to speak to your GP.

Focus on one step at a time

It’s easy to feel like everything has to be fixed at once - it doesn’t.
Choose one small thing from this page today.
Small steps add up to big change over time.

Managing your money

Cut your everyday costs

Energy and broadband can be cheaper if you’re eligible for a social tariff.
Check with your provider - you could save hundreds a year.
Not sure where to start? Use Ofgem’s approved supplier list to see deals for people on low incomes.

Lower your repayments

If you’re finding it hard to keep up with payments, talk to your lender.
Many offer hardship support that won’t affect your credit score.
Ask about "payment arrangements" or "breathing space" options. Remember to have your IE Hub budget to hand, it will help with the conversation.

Save on essential costs

Food, toiletries, and household basics don't have to break the bank.
Look for loyalty cards, “wonky” veg deals, and local community food projects.
Some supermarkets and charities run low-cost food shops open to everyone.

Useful guides...

Read more guides

Start your journey to financial freedom...

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Just checking where you stand?

That’s a smart place to start. We’ll give you a clear financial picture.
We show what you earn, spend and owe in one place.
We highlight benefits and support available to your situation.
You can share your budget with your companies to display your situation.
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Check where you stand today...

Start your budget

Dealing with more than one debt?

We help you organise everything clearly so you know what to do next.
We help you list all debts together in one simple place.
You can share your budget to agree manageable payment plans.
We identify benefits and support available to help your situation.
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Get your debts under control today...

Start your budget

Are you worried about money?

You’re not alone. We help you take things step by step with a clear plan.
We explain your options so you can feel calmer and informed.
We identify benefits and support available to your situation.
We help you make a clear and manageable plan forward.
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Take control of money today...

Start your budget

Not sure what you can afford?

We’ll help you see what’s realistic and feel more confident about next steps.
We show a clear picture of your income, spending and debts.
We help you work out affordable payments based on your situation.
You can share your budget if creditors need to see it.
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See what you can afford today...

Start your budget

Need to complete a budget form?

You’re in the right place. We help you complete your budget quickly and share it securely.
Smart questions guide you through quickly and keep things simple.
We highlight benefits and support you may be entitled to.
You can securely share your budget with the company that asked.
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Complete your budget today...

Start your budget

Are you struggling with debt?

We help you understand what you owe, what’s affordable, and what steps to take next.
We help you list debts so you see what you owe clearly.
Our tools help you build a realistic budget you can manage.
You can share it with creditors to agree better payment plans.
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Get debt under control today...

Start your budget

Are bills starting to feel unmanageable?

We’ll help you build a simple budget, understand what you can afford, and find support available to you.
We show where your money goes and which bills matter most.
We identify benefits, grants and support based on your situation.
You can share your budget to agree realistic payment plans.
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Get control of your bills today...

Start your budget