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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...

The hidden financial load women carry

The hidden financial load women carry

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When Christmas credit catches up with you in January

When Christmas credit catches up with you in January

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Why “new year, new budget” doesn’t work for most people

Why “new year, new budget” doesn’t work for most people

Read
Early christmas pressure? Dodge the online spending traps

Early christmas pressure? Dodge the online spending traps

Read
Can Money Really Make You Happy?

Can Money Really Make You Happy?

Read
Financial Anxiety: Feeling Constantly Worried About Money?

Financial Anxiety: Feeling Constantly Worried About Money?

Read
Sales Pressure: How Discounts Trick Your Brain

Sales Pressure: How Discounts Trick Your Brain

Read
Understanding Impulsive Spending and What You Can Do About It

Understanding Impulsive Spending and What You Can Do About It

Read
Read more guides

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Many people are, so you’re not alone. We help you take things step by step and provide you 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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Do you want to see what you can afford?

Our budget tracker shows your income, spending, and leftover money, so you can plan ahead with more confidence.
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 with companies you owe if they need to see it.
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Have you been asked to create a budget?

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'll highlight the benefits and support you may be entitled to.
You can securely share your budget with the company that asked.
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Are you struggling with debt?

We help you understand what you owe, what’s affordable for you to pay back, and what steps you can 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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Are you struggling to pay your bills?

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...

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