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Financial guidance

All you need to know about universal credit, plus see how we can help you with savings, utility bills and free debt guidance.

Switching gas or electricity suppliers

You can often save money by comparing gas and electricity offers and then switching suppliers.

  • Fixed-price deals - these are often cheaper than variable deals.
  • Dual-fuel deals - combining your gas and electricity can be cheaper.
  • Direct debit - you may get a discount if you pay by direct debit.

Find out more about saving money on utility bills

Grants for work and business

  • Re:Work - up to £150 for a new job. 
  • Re:Train - up to £1,000 for career-related training. 
  • Business Start Up - up to £1,000 for starting or growing a business. 
  • Business Re:Work - up to £250 for becoming self-employed.  

Find out more about grants

StepChange: free debt helpline

StepChange provides a free, debt helpline – no matter how large or small your debts. They'll look at your financial situation, give you expert debt advice and recommend debt solutions to suit your situation. They can also help you set up and support your chosen repayment solution. Phone StepChange free on 0800 138 1111.

The StepChange website also has a range of advice, including a self-help option called Debt Remedy, which works out a personal debt action plan.

Go to StepChange

Take a 60-second debt test

Step Change also has a 60-second debt test that helps you see if you could benefit from debt advice.

Universal credit and benefits guidance

Universal credit is a new single monthly benefits payment to help you with your living and housing costs. See what you need to do to claim the right benefits for you.

Find out more about universal credit

Savings, loans and borrowing money 

Discover ways you can stay in control of your finances by knowing how to save money effectively, when to borrow and how to get help with debts.

Find out more about savings and loans

How we can help

See the help and guidance offer on jobs, training and your personal finances.

Tools for managing your money

Benefits calculator

Find out which benefits you can claim with our simple, online benefits calculator.

You’ll also be able to find out how much better off you’ll be in work.

It’s free to use, takes just a few minutes and is completely anonymous.

Benefits calculator


Budget planner

See how a budget plan can help you stay in control of your money.

The independent Money Advice Service has a really useful online budget planner. It can help you see what you can afford and how you might be able to save money.

It’s simple to complete and anyone can use it.

Go to Money Advice Service

If you want any help using the budget planner or our benefits calculator – or any other financial guidance – please contact our Clarion Futures Money Guidance team.

Contact us