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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.

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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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