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 GOV.UK – independent, anonymous benefit calculators

Benefits Checker on GOV.UK – to find out what support is available to help with living costs

Debt Advice Locator Tool – search for local debt advice

Find your local council on GOV.UK – for local support options

Money Manager Tool for Universal Credit customers – to help people budget whilst on Universal Credit

Help and advice with debt and money management

Advicelocal – local directories of support for work, money, housing and benefit advice

Bankruptcy guide on GOV.UK – information on what bankruptcy means for individuals

Breathing Space – scheme to get up to 60 days respite from interest, fees and court action on your debts

Christians Against Poverty – debt advice, job clubs, budgeting support and life skills

Citizens Advice debt and money – information on debt, mortgage and rent problems and creditor action

Citizens Advice Universal Credit debt and rent arrears – help with debt and rent arrears for Universal Credit customers

Court claims, debt and bankruptcy on GOV.UK – a list of guides for debt recovery for individuals and businesses

Debt Advice Foundation – provides confidential debt advice

Debt Support Trust – provides debt advice

Finding Your Way Forward – online advice for budgeting, dealing with reduced income, managing self-employment and redundancy

Help for Households - Get government cost of living support

Illegal Money Lending Team – investigates illegal money lending and related offences

Income Max – debt advice based on real life money issues like benefits, household bills and employment

Individual Voluntary Arrangements on GOV.UK – information about different options to pay off your debts

Just Finance Foundation – provides budgeting and debt advice

Let’s Talk – helps individuals and charities apply for grants with home energy costs and general budgeting support

Money Adviser Network – provides debt and budgeting advice

Money Helper – impartial money advice, tools and calculators for budgeting

Money Saving Expert – debt advice, mental health information when dealing with debt, practical money saving tips and deals

National Debt Expert – support for clearing and managing your debt

National Debtline – provides debt advice

No Recourse to Public Funds – provides financial advice for people with no recourse to public funds

OpenLearn – free budgeting and money courses

Payplan – provides debt advice and debt management plans

Specialist Debt Advice Service – a debt advice service ran by Shelter

Step Change – provides debt advice and debt management plans

Stop Loan Sharks – advice about how to avoid illegal money lenders and how to report them

Tax Help for Older People – tax advice and training for tax matters for people aged 60 and over on lower incomes

TaxAid – tax advice for people on low incomes

The Money Charity – budgeting advice and online budgeting courses

Trussell Trust: Help Through Hardship – budgeting and debt advice, sometimes inside a food bank

Turn2Us – support with benefits, debt, housing and legal issues alongside a benefit calculator and grant search tool

Voce Amgas De Esperanza UK – provides debt and budgeting support focused on Spanish-Portuguese people

CEA Card – provides disabled cinema guests an additional ticket for someone to go with them

Family Fund – grants for children and young people aged 17 and under with additional needs to buy practical items or respite breaks

Florence Nightingale Aid in Sickness Trust – grants for people who are ill, convalescent or disabled for medical or household aids

Mental Health and Money Advice – provide budgeting and debt advice for people experiencing issues with mental health and money

NHS – help with health costs for people getting Universal Credit

Percy Bilton charity – support worker referred grants to individuals on a low income with serious long term illnesses over the age of 65

Roald Dahl’s Marvellous Children’s Charity – grants for families facing financial hardship while caring for a child with a serious illness for medical related expenses

The Hospital Saturday Fund – grants for specialised medical equipment

The League of The Helping Hand – grants for people with mental health conditions for essential household items, specialist equipment and carers breaks

United Response – online booklets to explain money and finance for people with learning disabilities

Support for specific industries with debt and money management

ABTA Lifeline – fund for those involved the travel industry (COVID-19 related)

Arts Council England – fund for artists, freelancers and creative practitioners in the cultural sector (COVID-19)

B&CE Charitable Trust – support for construction works

Band of Builders – support for people working in the construction industry

Ben Support for life – health and wellbeing support for the automotive community

Business Debtline – debt advice for self-employed and small businesses

CaRe 20 – fund and support for those working in retail

Chartered Institute of Builders Benevolent Fund – financial assistance for CIOB members

Coal Industry Social Welfare – grants, advice and support for mine workers

Drinks Trust – advice and support for people working in the drinks industry

Electrical Industries Charity – counselling, debt and legal advice for people working in the electrical industry

Farming Community Network – debt advice and support for the farming community

Fashion and Textile Children’s Trust – grants for families and carers who have worked in the textile industry for children’s bedding, clothing and essential household items

For You By You – civil servant charity offering practical and financial advice

GroceryAid – financial support to those working in the grocery industry

Hair and Beauty Charity – debt support for hairdressers and beauty therapists

Help for Heroes – financial support for armed forces personnel living with an injury or illness from the time during service

Help Musicians – debt advice for musicians and creative musician grants

Hospitality Action (We are Tip Jar) – a hospitality industry focused emergency fund and tip jar

Licensed Trade Charity – financial and emotional support for people working in the drinks industry

Perennial – advice, support and financial assistance to people working in horticulture – including their immediate family

Public Transport Benevolent Fund – financial support for members of the Transport Benevolent Fund

Railway Benefit Fund – debt advice, grants, a family fund and signposting to other services for people working on the railway

Rainy Day Trust – support for professional trade people and workers in the manufacturing, wholesale, retail and distribution areas of glass, houseware and gardening products.

Retail Trust – financial support and advice for people working in retail

Royal Agricultural Benevolent Institution – support for farmers in financial difficulty

Royal British Legion – cost of living grants for kitchen appliances and energy costs

Society of Authors – debt and financial support for writers, illustrators, scriptwriters and journalists

Theatrical Guild – short term financial support for people working backstage or front of house in theatres

The Care Workers charity – emergency funds for care workers for illness, self isolation or funeral costs

The Junius S Morgan Benevolent Fund – fund for nurses and health care assistants for essential household items

Unison – financial support for Unison members

Unite the Union – benevolent fund for Unite the Union members and employees

Savings and bank accounts

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

Help to Save on GOV.UK – a government savings account for certain people entitled to Working Tax Credit or Universal Credit to get a bonus of 50p for every £1 they save over 4 years

HSBC No Fixed Address Service – supporting those with no fixed address open a bank account

Utilities

Ask CPAG Fuel Rights Handbook – help to tackle fuel poverty

British Gas Energy Trust – signposting for debt support, budget planning, tariff switching and energy grants

BT Home Essentials – low cost broadband and phone tariffs

CCW – independent representatives for water consumers in England and Wales

Cost of living support on GOV.UK – policy paper on the cost of living support

Coronavirus advice for paying bills on GOV.UK – COVID-19 specific advice

Disability Cost of Living Payment – a lump sum payment of £150 for certain people

EDF Energy support – grants to clear gas and electric debts owed by EDF customers

Energy Price Guarantee on GOV.UK – latest government announcement for families and businesses on the Energy Price Guarantee

EON Energy Fund – financial and budgeting support for EON customers with arrears

Fuel Bank Foundation – financial advice for managing energy bills

Groundwork: Green Doctor – household support for reducing bills and carbon emissions

Hyperoptic Fair Fibre Plan – discount broadband for Universal Credit customers

Kcom FullFibre Flex Plan – discount broadband social tarrif

LEAP – home energy advice for reducing bills and finding a better energy tarrif

Ofcom – cheaper broadband tariffs for people on benefits

PayPoint Store Locator – pay your bills, top-up or redeem credit vouchers using a PayPoint

Scope UK Disability Energy Support – energy and water advice for disabled people

Talk Talk Customer Broadband Offer – pre-paid 6 month fibre broadband for jobseekers

Tesco Reconnects – mobile phones with 3 months credit for vulnerable and disadvantaged people

United Utilities Support – support for people struggling to pay their water bills for United Utility customers

Uswitch Broadband deals – broadband deals for low income families

Virgin Media Essentials – broadband deals for people of means-tested benefits

VOXI For Now – mobile phone deals for low income families

Warm and Safe Homes (WASH) – help and advice for energy grants, energy saving and insulation

Warm Home Discount Scheme on GOV.UK – information on a one off discount from electric bill

WaterSure scheme – help paying water bills

Schemes and grants for debt and money management

30 hours free childcare on GOV.UK – information about the childcare scheme

Advanced Learner Loan on GOV.UK – information on loans to support the costs of further education

Al-Mizan Trust – A grant-funder that supports disadvantaged communities across the UK

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

BBC Children in Need – 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

British Red Cross fund – provides financial support and advice to anyone with money problems

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

Friends of the Elderly – 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 GOV.UK – apply for free school meals

Glasspool – hardship grants to be applied for through a charity or community organisation

Healthy Start – weekly vouchers for milk, fruit, vegetables and infant formula milk

Help for Households – government website listing cost of living support

Home Energy Appliance Replacement (HEART) – provides vulnerable households with replacement home appliances

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

Kids Eat Free – Money Saving Central – directory of places where children can eat for free during half term

Legal Aid on GOV.UK – information about Legal Aid

Royal Mail Concession Redirection – lower prices for redirection for anyone claiming Universal Credit

School uniform costs on GOV.UK – information to get help with school uniform costs

School transport support on GOV.UK – check your eligibility for help with the cost of school transport

Shelter England Discretionary Housing Payments – can provide discretionary housing payments alongside housing advice

Smallwood Trust – runs a Women’s Resilience Fund for women on a low income alongside financial advice

Student Loans Company on GOV.UK – provides loans and grants to students in universities and colleges

Timpson’s Dry Cleaning Service – free cleaning service for unemployed people going to an interview

Transport for London Jobcentre Plus Travel Discount – travel discount for jobseekers

Universal Credit – other financial support available on GOV.UK – information on advances, hardship payments and budgeting loans

Avon, Somerset and Gloucestershire

Help and advice with debt and money management

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

Bromford Housing - Help and advice for Bromford customers

Centre for Sustainable Energy - energy-saving resources

Clean Slate - A money advice programme for anyone worried about debt

North Bristol Advice Centre - Debt and budgeting advice

South Bristol Advice Services - Debt and budgeting advice

One Stop Shop - South Gloucestershire Council - Financial support and advise service

Talking Money – Advice for people with financial problems in Bristol

Somerset Community Connect - support with claiming benefits, managing bills and personal budgets

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

GL Communities - Financial support and advise service

Gloucestershire Community Based Support - P3 charity – provides a range of services to people living in the local community

Two Rivers Housing – help and advice for Two Rivers Housing customers

Utilities

Warm and Well –South Gloucestershire free energy efficiency advice

Somerset Village & Community Agents - for those aged 50+ and those clinically extremely vulnerable

Bedfordshire and Hertfordshire

Help and advice with debt and money management

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

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

Community Money Advice- Support and advice on debt and money problems

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

Financial inclusion and debt advice – Borough of Broxbourne Council - Council’s benefits service provides advice and guidance on money matters

Hertfordshire Children’s Fund (hertscf.org.uk) - Grants of up to £300 for families in crisis. Applications must come from organisation supporting the family

HertsHelp- Help with food/furniture/keeping warm/finances

Hertsmere Borough Council- Supporting people facing unexpected and exceptional financial pressure

Hertfordshire County Council Money advice - Budgeting support from Herts County Council Money Advice Unit

Local Welfare Assistance (LWA) (luton.gov.uk) - Providing support for Crisis Awards or Community Care Awards

Luton Salvation Army Debt Advice Service Luton - Free and confidential service open to the whole community of Luton

Money Matters Community Bank - covers postcodes LU1 to LU7, and offers an alternative to High Street Banks

Three Rivers Council - Provides various details of various support available

Berkshire, Buckinghamshire and Oxfordshire

Help and advice with debt and money management

Frontline Debt Advice – Life after debt - see website for details

Reading Borough Council Money Matters - cost of living advice and support

Slough Advice Centre – Information & Advice for Slough Residents – see website for details

West Berkshire Council New Cost of Living Support Hub - to support residents facing financial hardship this winter

Buckinghamshire Council -Money problems - advice and support if you are struggling to make ends meet

Connection Support - Buckinghamshire -  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

STAK St Austell – provides money and debt advice

Launceston Community Money Advice – provides money, budgeting and debt advice

Cornwall Council Trading Standards – provides debt advice

Smart Savings - supporting the Cornish community with money and debt management

Navigate Charity Money & Debt Advice – provides money and debt advice

Utilities

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

Cornwall Wood Bank scheme - 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

Faithworks CMA Debt and money management advice

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

Sovereign Housing - Residents financial and debt advice

Sparsholt College Hampshire - Online Managing your Money course

Lantern Trust – Weymouth- Offers benefit advice

The Waterlily Project - Supports vulnerable women affected by financial difficulty

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

Swindon Borough Council - Benefits and debt advice

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

No Limits - Hampshire- Free and confidential information advice counselling and support, including on debt, for people aged under 26

Prospect Estate Big Local - Money Advice

Portsmouth City CouncilPortsmouth City Council - Financial advice

The Vine Centre - Finances support

Islefindit – Isle of Wight Directory of financial and debt advice

Utilities

Wessex Water - Bill payment options and advice

East London

Help and advice with debt and money management

Capitalise Debt Advice – offers free debt advice to vulnerable people in East London

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

Newham Money Works – provides financial advice for people in Newham

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

Schemes and grants for debt and money management

DABD – 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 – contact your Work Coach about contacting the Financial Employment Support and Employment Team for people in Colchester

Essex County Council – local information and signposting to local support services for debt and money advice

Rochford District Council – local information and signposting to support services for debt and money advice

Southend Borough Council – local information and signposting to support services for debt and money advice

Standguide Group – contact your Work Coach about this 6 week money management programme for people in Essex

Schemes and grants for debt and money management

Thurrock Council – provides an essential living fund for people in crisis in Thurrock

Kent

Help and advice with debt and money management

Ashford Advice – advice for rent and mortgage arrears, fines and other debt issues in Ashford

Crosslight – provides debt and money advice for people in Sevenoaks, Tonbridge and Tunbridge Wells

Optivo – provides budgeting, debt and welfare advice for people in Swale

Paddock Wood Community Advice Centre – provides money and debt advice for Paddock Wood, Tonbridge and Tunbridge Wells

Swale Your Way – provides money and housing advice for people in Sheppey and Sittingbourne

Utilities

Children’s and Families Limited – runs a Fuel and Water Adviser Service for people in Swale

Southern Water – has four affordability schemes for Southern Water customers

Schemes and grants for debt and money management

Kent County Council – runs a Home Essentials in a Crisis scheme for short term assistance in an emergency

Richard Watts Charities – support for essential household goods for ME1 and ME2 postcodes only

North London

Savings and bank accounts

Passage – provides support for people who need to open a bank account, based in Victoria

South London

Help and advice with debt and money management

Centre70 - supports adults who are facing social, mental, financial or other personal difficulties

Surrey and Sussex

Help and advice with debt and money management

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

Crawley Borough Council - Help with money worries

Frontline Debt Advice - Free debt and welfare benefit advice

HARC – Hastings Advice and Representation Centre - free and confidential Welfare Benefits advice, information and representation to the people of East Sussex

Cheshire

Help and advice with debt and money management

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

Warrington Council - Local support scheme - 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

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

Lancashire Women - 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

Age UK - North Yorkshire & Darlington - provides a free, impartial, independent and confidential one to one Information and Advice Service.

Greater Manchester

Help and advice with debt and money management

Salford City Council - BetterOff in Salford - 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

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

St Andrew’s Community Network - deliver support in three main areas: Money Management; Food Poverty; and Community Wellbeing.

Wirral InfoBank - 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

Five Lamps - integrated range of social, economic and financial inclusion services

Newcastle City Council - Debt and money advice

West Yorkshire

Help and advice with debt and money management

BCP - Burmantofts Community Projects - help and advice on debt and benefits

Leeds City Council - Money Information Centre

Noah’s Ark Services - Money advice

Birmingham and Solihull

Help and advice with debt and money management

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

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

Free at Last – offers advice and guidance on debt and welfare benefits - B7 postcode residents have priority

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

Solihull Community Housing – provides debt advice support for rent arrears and problems paying rent or bills

Spitfire Support Services - 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

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

Bridging the Gap - Resource Centre incorporating Willenhall Money Advice

Wolverhampton Homes Money advice - Money advice and budgeting service

Sandwell Financial Services HUB - Sandwell Council - providing financial support and debt guidance

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

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

Welfare Rights Team Sandwell Council - give free advice and support on all welfare benefits

Utilities

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

Savings and bank accounts

6Towns Credit Union Ltd. - access to loans and financial services in the West Bromwich area

Castle & Crystal Credit Union - loans and savings for the West Midlands

Walsave Credit Union - access to loans and financial services in Walsall

Wolverhampton City Credit Union - 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

Broadland Housing Group - provides cost of living advice and support

DIAL Great Yarmouth - provides a wide range of advice

Future Projects - offers light touch financial support with managing debt

Making Money Count - offers a drop–in service for free confidential help and advice on money matters for people living in Cambridgeshire, Peterborough, Fenland and North Norfolk

Oak Grove Community Money Advice Norwich - provides help with money concerns and personal debt

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

The Rural Coffee Caravan - offering advice and information to isolated communities

Utilities

AquaCare Plus Anglian Water - offers discounted tariffs on water bills, temporary payment plans and forgiveness schemes

Essex and Suffolk Water - offers lower bills to eligible customers

Cambridgeshire ACRE - provides energy efficiency advice by phone

Watersure Cambridge Water - 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

Digital Poverty Alliance - provides free computers to get families online

Greater Anglia – offers a Job Track scheme with discounted travel to interviews and the first two months or starting a new job

King’s Lynn & West Norfolk Charity Trust - provides help for those in need within the borough to relieve hardship or stress by paying for items

Norwich Charitable Trusts - provides grants to individuals under 25 years old on a household income below £700

The Foundation of Joanna Scott - provides grants for education to young Norwich people aged under 25

Leicestershire and Northamptonshire

Help and advice with debt and money management

Charity Link – provides support to vulnerable people

Community Advice and Law Service – provides money management support and advice for Leicester City tenants

First Contact Plus – offers money and debt advice in Leicestershire

FreeDA – offers free debt advice and budgeting support

Futures Housing Group - offers help and advice with money matters

Melton and District Money Advice Centre – offers Confidential and impartial advice service concerning money and debt problems

Money Matters Leicester – offers free debt advice

Moneywise plus – offers financial advice support

Saffron Resource Centre – offers a variety of financial help in the LE2 area

South Northamptonshire Council Money advice service – offers debt advice

Savings and bank accounts

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

Utilities

Energywise Leicester – 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

Northants Warm Homes – offers free gas connection and central heating to homes

Lincolnshire, Nottinghamshire and Rutland

Help and advice with debt and money management

Bestwood Advice Centre - offers specialist debt advice

Credit Union Nottingham, Lincoln and Mansfield - offers debt advice

Money And Work Ask Lion – offers a range of information and support with finances

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

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

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

Sharewear Clothing Scheme - offer free-of-charge clothing to people in economic difficulty

St Ann’s Advice Centre - offers debt advice

Utilities

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

Severn Trent Trust Fund Big Difference Scheme – provides up to 90% reductions for people on a low income

Nottingham Energy Partnership – offers advice on tariff switching, practical energy advice, broken heating, home insulation

Schemes and grants for debt and money management

The Lincoln Municipal Relief-in-Need Charities – 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

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

Job shop – Coventry City Council - provides support with managing debt, budgeting, claiming benefits and better off calculation

Two Pennies Money Advice - provides help for people having problems with money and debt

Savings and bank accounts

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

Utilities

Keeping Coventry Warm - provides a variety of support for Coventry residents

Keep Herefordshire Warm - provides a variety of support for Herefordshire residents

Staffordshire and Derbyshire

Help and advice with debt and money management

Money Advice team: Derby Homes residents - provides free, confidential and independent advice around money and debt problems, budgeting and welfare benefits

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

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

Derbyshire Law Centre - offers free advice on issues regarding debt and homelessness

Derbyshire Unemployed Workers’ Centres - provide free and independent welfare rights advice

Direct Help and Advice - provides information and advice around debt and housing issues

Homes Plus - offers free money advice

LoveInspire Foundation Trust - provides support with essential items

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

Saltbox - 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

Support through the cost of living crisis Stoke-on-Trent - offers support through the cost of living crisis

Savings and bank accounts

Derbyshire Community Bank - offers payroll savings and loans

Utilities

Community Oil Buying Scheme - Rural Action Derbyshire - can reduce the cost of heating oil by negotiating with oil suppliers for a bulk order

Heating Oil Bank - Rural Action Derbyshire - can pay for a delivery of 500 litres of oil or other fuel cost

Marches Energy Agency - provides practical solutions for customers worried about their energy bills

Warmer Derby and Derbyshire - High Peak Borough Council - free, independent and impartial advice to help reduce bills and tackle fuel poverty

Beat the Cold - offers independent advice on a range of energy related issues

South Staffs Water Assure tariff - provides a discount on water charges if eligible

Scotland: national support

Online calculators and tools

Benefit Calculators on GOV.UK – independent, anonymous benefit calculators

Benefits Checker on GOV.UK – to find out what support is available to help with living costs

Debt Advice Locator Tool – search for local debt advice

Find your local council on GOV.UK – for local support options

Money Manager Tool for Universal Credit customers – to help people budget whilst on Universal Credit

Help and advice with debt and money management

Advicelocal – local directories of support for work, money, housing and benefit advice

ALISS – a local information service for Scotland that includes money advice

Bankruptcy guide on GOV.UK – information on what bankruptcy means for individuals

Breathing Space – scheme to get up to 60 days respite from interest, fees and court action on your debts

Christians Against Poverty – debt advice, job clubs, budgeting support and life skills

Citizens Advice Scotland – help and information on finances and debt

Cost of Living Support in Scotland – a directory of organisations who provide free cost of living advice

Court claims, debt and bankruptcy on GOV.UK – a list of guides for debt recovery for individuals and businesses

Debt Advice Foundation – provides confidential debt advice

Debt Support Trust – provides debt advice

Finding Your Way Forward – online advice for budgeting, dealing with reduced income, managing self-employment and redundancy

Illegal Money Lending Team – investigates illegal money lending and related offences

Income Max – debt advice based on real life money issues like benefits, household bills and employment

Independent Food Aid Network and Nourish Project – produce leaflets to provide details of local money advice and ‘cash first’ options

Individual Voluntary Arrangements on GOV.UK – information about different options to pay off your debts

Just Finance Foundation – provides budgeting and debt advice

Let’s Talk – helps individuals and charities apply for grants with home energy costs and general budgeting support

Money Advice Scotland – support for people in debt

Money Helper – impartial money advice, tools and calculators for budgeting

Money Saving Expert – debt advice, mental health information when dealing with debt, practical money saving tips and deals

National Debt Expert – support for clearing and managing your debt

National Debtline – provides debt advice

No Recourse to Public Funds – provides financial advice for people with no recourse to public funds

OpenLearn – free budgeting and money courses

Payplan – provides debt advice and debt management plans

Step Change – provides debt advice and debt management plans

Stop Loan Sharks – advice about how to avoid illegal money lenders and how to report them

Tax Help for Older People – tax advice and training for tax matters for people aged 60 and over on lower incomes

TaxAid – tax advice for people on low incomes

The Money Charity – budgeting advice and online budgeting courses

Trussell Trust: Help Through Hardship – budgeting and debt advice, sometimes inside a food bank

Turn2Us – support with benefits, debt, housing and legal issues alongside a benefit calculator and grant search tool

Voce Amgas De Esperanza UK – provides debt and budgeting support focused on Spanish-Portuguese people

Young Scot – information for young people about budgeting and debt

CEA Card – provides disabled cinema guests an additional ticket for someone to go with them

Family Fund – grants for children and young people aged 17 and under with additional needs to buy practical items or respite breaks

Florence Nightingale Aid in Sickness Trust – grants for people who are ill, convalescent or disabled for medical or household aids

Mental Health and Money Advice – provide budgeting and debt advice for people experiencing issues with mental health and money

NHS – help with health costs for people getting Universal Credit

Percy Bilton charity – support worker referred grants to individuals on a low income with serious long term illnesses over the age of 65

Roald Dahl’s Marvellous Children’s Charity – grants for families facing financial hardship while caring for a child with a serious illness for medical related expenses

The Hospital Saturday Fund – grants for specialised medical equipment

The League of The Helping Hand – grants for people with mental health conditions for essential household items, specialist equipment and carers breaks

United Response – online booklets to explain money and finance for people with learning disabilities

Young Patients Family Fund – 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

ABTA Lifeline – fund for those involved the travel industry (COVID-19 related)

Arts Council England – fund for artists, freelancers and creative practitioners in the cultural sector (COVID-19)

B&CE Charitable Trust – support for construction works

Band of Builders – support for people working in the construction industry

Ben Support for life – health and wellbeing support for the automotive community

Business Debtline – debt advice for self-employed and small businesses

CaRe 20 – fund and support for those working in retail

Chartered Institute of Builders Benevolent Fund – financial assistance for CIOB members

Coal Industry Social Welfare – grants, advice and support for mine workers

Drinks Trust – advice and support for people working in the drinks industry

Electrical Industries Charity – counselling, debt and legal advice for people working in the electrical industry

Farming Community Network – debt advice and support for the farming community

Fashion and Textile Children’s Trust – grants for families and carers who have worked in the textile industry for children’s bedding, clothing and essential household items

For You By You – civil servant charity offering practical and financial advice

GroceryAid – financial support to those working in the grocery industry

Hair and Beauty Charity – debt support for hairdressers and beauty therapists

Help for Heroes – financial support for armed forces personnel living with an injury or illness from the time during service

Help Musicians – debt advice for musicians and creative musician grants

Hospitality Action (We are Tip Jar) – a hospitality industry focused emergency fund and tip jar

Licensed Trade Charity – financial and emotional support for people working in the drinks industry

Perennial – advice, support and financial assistance to people working in horticulture – including their immediate family

Public Transport Benevolent Fund – financial support for members of the Transport Benevolent Fund

Railway Benefit Fund – debt advice, grants, a family fund and signposting to other services for people working on the railway

Rainy Day Trust – support for professional trade people and workers in the manufacturing, wholesale, retail and distribution areas of glass, houseware and gardening products.

Retail Trust – financial support and advice for people working in retail

Royal Agricultural Benevolent Institution – support for farmers in financial difficulty

Royal British Legion – cost of living grants for kitchen appliances and energy costs

Society of Authors – debt and financial support for writers, illustrators, scriptwriters and journalists

Theatrical Guild – short term financial support for people working backstage or front of house in theatres

The Care Workers charity – emergency funds for care workers for illness, self isolation or funeral costs

The Junius S Morgan Benevolent Fund – fund for nurses and health care assistants for essential household items

Unison – financial support for Unison members

Unite the Union – benevolent fund for Unite the Union members and employees

Savings and bank accounts

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

Help to Save on GOV.UK – a government savings account for certain people entitled to Working Tax Credit or Universal Credit to get a bonus of 50p for every £1 they save over 4 years

HSBC No Fixed Address Service – supporting those with no fixed address open a bank account

Utilities

Ask CPAG Fuel Rights Handbook – help to tackle fuel poverty

British Gas Energy Trust – signposting for debt support, budget planning, tariff switching and energy grants

BT Home Essentials – low cost broadband and phone tariffs

Cost of living support on GOV.UK – policy paper on the cost of living support

Coronavirus advice for paying bills on GOV.UK – COVID-19 specific advice

Disability Cost of Living Payment – a lump sum payment of £150 for certain people

EDF Energy support – grants to clear gas and electric debts owed by EDF customers

Energy Price Guarantee on GOV.UK – latest government announcement for families and businesses on the Energy Price Guarantee

EON Energy Fund – financial and budgeting support for EON customers with arrears

Fuel Bank Foundation – financial advice for managing energy bills

Hyperoptic Fair Fibre Plan – discount broadband for Universal Credit customers

Kcom FullFibre Flex Plan – discount broadband social tarrif

LEAP – home energy advice for reducing bills and finding a better energy tarrif

Ofcom – cheaper broadband tariffs for people on benefits

PayPoint Store Locator – pay your bills, top-up or redeem credit vouchers using a PayPoint

SCARF Heat Fund – a crisis fund to help households experiencing fuel poverty

Talk Talk Customer Broadband Offer – pre-paid 6 month fibre broadband for jobseekers

Tesco Reconnects – mobile phones with 3 months credit for vulnerable and disadvantaged people

United Utilities Support – support for people struggling to pay their water bills for United Utility customers

Uswitch Broadband deals – broadband deals for low income families

Virgin Media Essentials – broadband deals for people of means-tested benefits

VOXI For Now – mobile phone deals for low income families

Warm and Safe Homes (WASH) – help and advice for energy grants, energy saving and insulation

Warm Home Discount Scheme on GOV.UK – information on a one off discount from electric bill

WaterSure scheme – help paying water bills

Schemes and grants for debt and money management

30 hours free childcare on GOV.UK – information about the childcare scheme

Advanced Learner Loan on GOV.UK – information on loans to support the costs of further education

Al-Mizan Trust – A grant-funder that supports disadvantaged communities across the UK

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

BBC Children in Need – 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

Best Start Grant and Best Start Foods – support for when you are pregnant or looking after a child

British Red Cross fund – provides financial support and advice to anyone with money problems

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

Friends of the Elderly – 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 GOV.UK – apply for free school meals

Glasspool – hardship grants to be applied for through a charity or community organisation

Help for Households – government website listing cost of living support

Home Energy Appliance Replacement (HEART) – provides vulnerable households with replacement home appliances

Home Energy Scotland – support for people looking at energy efficiency or greener ways to live including grants for energy saving home improvements

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

Kids Eat Free – Money Saving Central – directory of places where children can eat for free during half term

Legal Aid on GOV.UK – information about Legal Aid

Royal Mail Concession Redirection – lower prices for redirection for anyone claiming Universal Credit

School uniform costs on GOV.UK – information to get help with school uniform costs

School transport support on GOV.UK – check your eligibility for help with the cost of school transport

Shelter England Discretionary Housing Payments – can provide discretionary housing payments alongside housing advice

Smallwood Trust – runs a Women’s Resilience Fund for women on a low income alongside financial advice

Student Loans Company on GOV.UK – provides loans and grants to students in universities and colleges

Timpson’s Dry Cleaning Service – free cleaning service for unemployed people going to an interview

Transport for London Jobcentre Plus Travel Discount – travel discount for jobseekers

Universal Credit – other financial support available on GOV.UK – information on advances, hardship payments and budgeting loans

North East Scotland

Online calculators and tools

Angus Council Budgeting Tools – tools for managing your money and a cost of living tool

Help and advice with debt and money management

Aberdeen City Council – offers budgeting advice for people in Aberdeen

Aberdeen Foyer – runs a Financial Inclusion Service for people in Aberdeen

Cosy Kingdom – runs an energy and debt advice service for people in Fife

Crieff Connexions – a community hub that offers benefit and money advice

Dundee City Council – runs a council advice service that offers money, debt, benefit and energy advice for people in Dundee

Dundee Welfare Rights – support money and debt counselling, benefit entitlements and tribunal representation for people in Dundee

MacMillan Project Workers – contact your Work Coach about MacMillan’s money and finance project worker for people with cancer in Aberdeenshire

Central Scotland

Help and advice with debt and money management

Glasgow City Council Welfare Rights and Debt Advice – 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

Advice Shop – provides advice on welfare, finance, equality and inclusion in West Lothian

AdvoCard – provide budgeting advice and advocacy for people with mental ill-health in Edinburgh

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

Clackmannanshire Council Money & Welfare Benefits Advice Team – provides advice on accessing benefits and money management for people in Clackmannanshire

Falkirk Council Debt Advice Service – provides impartial debt advice for people in Falkirk and Grangemouth

Falkirk Council Welfare Advice Service – provides advice on accessing benefits for people in Falkirk and Grangemouth

West Lothian Financial Inclusion Network – offers advice on benefits, money matters and employability related issues in West Lothian

Northern Scotland

Help and advice with debt and money management

Highland Council Welfare Support Team – provides benefit and money advice for Inverness, Nairn and Inverness-shire

Moray Council – has an Income Maximisation team to provide money and benefit advice to people in Moray

REAP – 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 – 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 – contact your Work Coach about this energy and money advice service for people in Annan

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

West Scotland

Help and advice with debt and money management

ALIENERGY – provides energy advice for for people in Argyll and Bute

Argyll and Bute Welfare Rights – information and welfare advice for Argyll and Bute

Bute Advice Centre – provides welfare, money and budgeting advice for Argyll and Bute

Engage – a food, fuel and finance advice service for people in Renfrewshire

Financial Fitness – offers financial advice to people in Inverclyde

First Stop Shop – provides welfare advice and access to council services in North Lanarkshire

Inverclyde Council Money Advice – an advisory team that provides debt and financial advice to people in Inverclyde

MacMillan – offers benefit advice to people with cancer in Inverclyde

Support for specific industries with debt and money management

Fisherman’s Mission – 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 – contact your Work Coach about this support fund for parents transitioning into work over a three month period## Debt and Money Management – savings and bank accounts

Wales: national support

Online calculators and tools

Benefit Calculators on GOV.UK – independent, anonymous benefit calculators

Benefits Checker on GOV.UK – to find out what support is available to help with living costs

Debt Advice Locator Tool – search for local debt advice

Find your local council on GOV.UK – for local support options

Money Manager Tool for Universal Credit customers – to help people budget whilst on Universal Credit

Help and advice with debt and money management

Advicelocal – local directories of support for work, money, housing and benefit advice

Advicelink Cymru – offers advice on welfare benefits, debt, money advice and other issues

Bankruptcy guide on GOV.UK – information on what bankruptcy means for individuals

Breathing Space – scheme to get up to 60 days respite from interest, fees and court action on your debts

Christians Against Poverty – debt advice, job clubs, budgeting support and life skills

Citizens Advice – help with debt and rent arrears for Universal Credit customers

Claim What’s Yours – information on what benefits are available to people in Wales

Clean Slate – up to 12 week programme to help people manage money and budget on a low income

Court claims, debt and bankruptcy on GOV.UK – a list of guides for debt recovery for individuals and businesses

Debt Advice Foundation – provides confidential debt advice

Debt Support Trust – provides debt advice

Finding Your Way Forward – online advice for budgeting, dealing with reduced income, managing self-employment and redundancy

Illegal Money Lending Team – investigates illegal money lending and related offences

Income Max – debt advice based on real life money issues like benefits, household bills and employment

Individual Voluntary Arrangements on GOV.UK – information about different options to pay off your debts

Just Finance Foundation – provides budgeting and debt advice

Let’s Talk – helps individuals and charities apply for grants with home energy costs and general budgeting support

Money Helper – impartial money advice, tools and calculators for budgeting

Money Saving Expert – debt advice, mental health information when dealing with debt, practical money saving tips and deals

National Debt Expert – support for clearing and managing your debt

National Debtline – provides debt advice

No Recourse to Public Funds – provides financial advice for people with no recourse to public funds

OpenLearn – free budgeting and money courses

Payplan – provides debt advice and debt management plans

Specialist Debt Advice Service – a debt advice service ran by Shelter

Step Change – provides debt advice and debt management plans

Stop Loan Sharks – advice about how to avoid illegal money lenders and how to report them

Tax Help for Older People – tax advice and training for tax matters for people aged 60 and over on lower incomes

TaxAid – tax advice for people on low incomes

The Money Charity – budgeting advice and online budgeting courses

Trussell Trust: Help Through Hardship – budgeting and debt advice, sometimes inside a food bank

Turn2Us – support with benefits, debt, housing and legal issues alongside a benefit calculator and grant search tool

Voce Amgas De Esperanza UK – provides debt and budgeting support focused on Spanish-Portuguese people

CEA Card – provides disabled cinema guests an additional ticket for someone to go with them

Family Fund – grants for children and young people aged 17 and under with additional needs to buy practical items or respite breaks

Florence Nightingale Aid in Sickness Trust – grants for people who are ill, convalescent or disabled for medical or household aids

Mental Health and Money Advice – provide budgeting and debt advice for people experiencing issues with mental health and money

NHS – help with health costs for people getting Universal Credit

Percy Bilton charity – support worker referred grants to individuals on a low income with serious long term illnesses over the age of 65

Roald Dahl’s Marvellous Children’s Charity – grants for families facing financial hardship while caring for a child with a serious illness for medical related expenses

The Hospital Saturday Fund – grants for specialised medical equipment

The League of The Helping Hand – grants for people with mental health conditions for essential household items, specialist equipment and carers breaks

United Response – online booklets to explain money and finance for people with learning disabilities

Support for specific industries with debt and money management

ABTA Lifeline – fund for those involved the travel industry (COVID-19 related)

Arts Council England – fund for artists, freelancers and creative practitioners in the cultural sector (COVID-19)

B&CE Charitable Trust – support for construction works

Band of Builders – support for people working in the construction industry

Ben Support for life – health and wellbeing support for the automotive community

Business Debtline – debt advice for self-employed and small businesses

CaRe 20 – fund and support for those working in retail

Chartered Institute of Builders Benevolent Fund – financial assistance for CIOB members

Coal Industry Social Welfare – grants, advice and support for mine workers

Drinks Trust – advice and support for people working in the drinks industry

Electrical Industries Charity – counselling, debt and legal advice for people working in the electrical industry

Farming Community Network – debt advice and support for the farming community

Fashion and Textile Children’s Trust – grants for families and carers who have worked in the textile industry for children’s bedding, clothing and essential household items

For You By You – civil servant charity offering practical and financial advice

GroceryAid – financial support to those working in the grocery industry

Hair and Beauty Charity – debt support for hairdressers and beauty therapists

Help for Heroes – financial support for armed forces personnel living with an injury or illness from the time during service

Help Musicians – debt advice for musicians and creative musician grants

Hospitality Action (We are Tip Jar) – a hospitality industry focused emergency fund and tip jar

Licensed Trade Charity – financial and emotional support for people working in the drinks industry

Perennial – advice, support and financial assistance to people working in horticulture – including their immediate family

Public Transport Benevolent Fund – financial support for members of the Transport Benevolent Fund

Railway Benefit Fund – debt advice, grants, a family fund and signposting to other services for people working on the railway

Rainy Day Trust – support for professional trade people and workers in the manufacturing, wholesale, retail and distribution areas of glass, houseware and gardening products.

Retail Trust – financial support and advice for people working in retail

Royal Agricultural Benevolent Institution – support for farmers in financial difficulty

Royal British Legion – cost of living grants for kitchen appliances and energy costs

Society of Authors – debt and financial support for writers, illustrators, scriptwriters and journalists

Theatrical Guild – short term financial support for people working backstage or front of house in theatres

The Care Workers charity – emergency funds for care workers for illness, self isolation or funeral costs

The Junius S Morgan Benevolent Fund – fund for nurses and health care assistants for essential household items

Unison – financial support for Unison members

Unite the Union – benevolent fund for Unite the Union members and employees

Savings and back accounts

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

Help to Save on GOV.UK – a government savings account for certain people entitled to Working Tax Credit or Universal Credit to get a bonus of 50p for every £1 they save over 4 years

HSBC No Fixed Address Service – supporting those with no fixed address open a bank account

Utilities

Ask CPAG Fuel Rights Handbook – help to tackle fuel poverty

Arbed am Byth Cymru – a warm homes scheme for Wales

British Gas Energy Trust – signposting for debt support, budget planning, tariff switching and energy grants

BT Home Essentials – low cost broadband and phone tariffs

CCW – independent representatives for water consumers in England and Wales

Cost of living support on GOV.UK – policy paper on the cost of living support

Cost of living support on GOV.WALES – more information on the cost of living support for Wales

Coronavirus advice for paying bills on GOV.UK – COVID-19 specific advice

Disability Cost of Living Payment – a lump sum payment of £150 for certain people

EDF Energy support – grants to clear gas and electric debts owed by EDF customers

Energy Price Guarantee on GOV.UK – latest government announcement for families and businesses on the Energy Price Guarantee

EON Energy Fund – financial and budgeting support for EON customers with arrears

Fuel Bank Foundation – financial advice for managing energy bills

Groundwork: Green Doctor – household support for reducing bills and carbon emissions

Hyperoptic Fair Fibre Plan – discount broadband for Universal Credit customers

Kcom FullFibre Flex Plan – discount broadband social tarrif

LEAP – home energy advice for reducing bills and finding a better energy tariff

Nest – means tested home energy efficiency scheme for Wales

Ofcom – cheaper broadband tariffs for people on benefits

PayPoint Store Locator – pay your bills, top-up or redeem credit vouchers using a PayPoint

Scope UK Disability Energy Support – energy and water advice for disabled people

Talk Talk Customer Broadband Offer – pre-paid 6 month fibre broadband for jobseekers

Tesco Reconnects – mobile phones with 3 months credit for vulnerable and disadvantaged people

United Utilities Support – support for people struggling to pay their water bills for United Utility customers

Uswitch Broadband deals – broadband deals for low income families

Virgin Media Essentials – broadband deals for people of means-tested benefits

VOXI For Now – mobile phone deals for low income families

Warmer Wales – a British Gas and Citizens Advice scheme to provide information

Warm and Safe Homes (WASH) – help and advice for energy grants, energy saving and insulation

Warm Home Discount Scheme on GOV.UK – information on a one off discount from electric bill

WaterSure Wales – places a cap on your water bill if you install a meter

Welsh Water – provides support for customers such as an assistance fund, water meters, low income tariffs and usage information

Schemes and grants for debt and money management

30 hours free childcare on GOV.UK – information about the childcare scheme

Advanced Learner Loan on GOV.UK – information on loans to support the costs of further education

Al-Mizan Trust – A grant-funder that supports disadvantaged communities across the UK

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

BBC Children in Need – 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

British Red Cross fund – provides financial support and advice to anyone with money problems

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

Friends of the Elderly – 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 GOV.UK – apply for free school meals

Glasspool – hardship grants to be applied for through a charity or community organisation

Healthy Start – weekly vouchers for milk, fruit, vegetables and infant formula milk

Help for Households – government website listing cost of living support

Home Energy Appliance Replacement (HEART) – provides vulnerable households with replacement home appliances

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

Kids Eat Free – Money Saving Central – directory of places where children can eat for free during half term

Legal Aid on GOV.UK – information about Legal Aid

Royal Mail Concession Redirection – lower prices for redirection for anyone claiming Universal Credit

School uniform costs on GOV.UK – information to get help with school uniform costs

School transport support on GOV.UK – check your eligibility for help with the cost of school transport

Smallwood Trust – runs a Women’s Resilience Fund for women on a low income alongside financial advice

Student Loans Company on GOV.UK – provides loans and grants to students in universities and colleges

Timpson’s Dry Cleaning Service – free cleaning service for unemployed people going to an interview

Transport for London Jobcentre Plus Travel Discount – travel discount for jobseekers

Universal Credit – other financial support available on GOV.UK – information on advances, hardship payments and budgeting loans

North and Mid Wales

Help and advice with debt and money management

Advice Mid Wales – advice on benefits, debt, money, housing, employment rights and law

Age Cymru – benefit advice for anyone over 50 living in Anglesey

Benefits Advice Shop – free benefits advice in Denbighshire – call 01745 345145 to book an appointment

Caia Park Community Advice Service – help with benefits, housing, debt and consumer problems

Community Money Advice Wrexham – free debt, budgeting and money advice for Caia Park and Wrexham

Flintshire Welfare Rights – helps with benefit advice, budgeting and support to become financially independent

J E O’Toole Welfare Advice Centre – provides benefit, budgeting and employment advice for Anglesey

Welfare Advice Powys County Council – provides budgeting and money advice for Powys

Welfare Rights Conwy County Borough Council – free benefit advice and debt support for Conwy

Welfare Rights Denbighshire County Council – free welfare rights and advocacy service for Denbighshire

Welfare Rights Unit Gwynedd County Council – free welfare rights service for Gwynedd to help people claim their correct benefit entitlement

Wrexham Welfare Rights Unit – support for any welfare issues, including money management and debt

Savings and back accounts

Cambrian Credit Union – a credit union for North Wales and Powys

Utilities

Groundwork Energy Vouchers – contact your Work Coach about how to apply for an energy voucher if you are a prepayment customer living in North Wales directly impacted by COVID-19

Groundwork LEAP – advice on switching energy providers and reducing water tariffs

South East Wales

Help and advice with debt and money management

Afon Support – provides money management, benefit for any adult facing housing issues in Torfaen

Melin Homes – debt, money and benefit advice for Melin residents only in Torfaen

Merthyr Tydfil Housing Association – advice on how to pay your rent

Monmouthshire County Council money and debt – support and guidance for money management

Savings and back accounts

BAG Credit Union – a credit union for Caephilly, Bargoed and Blackwood

Utilities

Power Up! Energy Advice – support line for potentially vulnerable people in fuel poverty call 0808 808 2274

South West Wales

Help and advice with debt and money management

Splice Child and Family Project – A Baby Bank for nappies, wipes, shampoo and bubble bath

Schemes and grants for debt and money management

Carmarthen Community Money Advice Centre – contact your Work Coach about this budgeting and debt support service

Splice Child and Family Project – A Baby Bank for nappies, wipes, shampoo and bubble bath

Tech4Families – The Digital Poverty Alliance and Currys run a service in Bridgend where you can apply for a computer if you don’t have access to one