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Help with money

See how we can help you with benefits, savings, utility bills and free debt guidance.

See if you’re entitled to benefits

It’s important to regularly check what benefits and financial support your household is entitled to. You can find out more about benefits and financial support on the government website.

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.

Use our benefits calculator

I love nothing better than being able to tell someone they’re eligible for more.

Geraldine

financial guidance officer

Our charitable foundation

Clarion Futures can help in lots of ways: from jobs and training to financial guidance and digital skills.

  • Money and household bills.
  • Jobs, apprenticeships and training.
  • Digital skills.
  • Mental health and wellbeing.

Find out more

Make a budget

The best way to feel in control of your money is to make a list of what you’re spending.

Write down your regular outgoings, and then use a budget planning tool to help you work out how much you’re spending. Your budget should include the following.

  • rent or mortgage
  • council tax
  • energy, phone and internet bills
  • TV license and subscription services
  • food
  • transport
  • clothes.

The independent Money Helper website has a simple online budget planner that can be really helpful. It shows what you can afford and how you might be able to save money.

Money Helper budget planner

Prioritise your bills

Some bills are more important than others. Some unpaid bills can lead to you losing your home, being fined or even being imprisoned. Priority bills are:

  • rent or mortgage
  • council tax
  • energy bills (excluding water bills)
  • TV licence
  • court fines
  • child maintenance.

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 980 8270.

The StepChange website also has a range of advice including a self-help tool called Debt Remedy which can create a personalised debt action plan. You can also take their 60-second debt test that shows if you could benefit from debt advice.

Go to StepChange

Managing household costs

Food is usually one of the biggest expenses of a household, but there are a number of ways you may be able to get help with food and other household costs. Your local council’s website should have information on support in your area.

Local food banks

Food banks and food pantries are community-led, social supermarkets that provide heavily discounted food to people in need. They typically operate on a membership basis. You can find your nearest food bank through our partner organisation The Trussell Trust. 

Healthy Start vouchers

If you’re pregnant or have children under the age of four you can get free Healthy Start vouchers or payments every four weeks to spend on things like milk, fruit and vegetables.

Find out more on the NHS website