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href="/web/20230323140822/https://www.gov.uk/">Home</a> </li> </ol> </div> </div> <main role="main" id="content" class="guide" lang="en"> <div class="govuk-grid-row" id="guide-print"> <div class="govuk-grid-column-two-thirds"> <div class="gem-c-title govuk-!-margin-top-8 govuk-!-margin-bottom-6"> <h1 class="gem-c-title__text govuk-heading-xl"> Cost of living support </h1> </div> <div class="govuk-!-display-none-print"> <p class="gem-c-lead-paragraph govuk-!-margin-bottom-6">Printable version</p> </div> <div class="gem-c-print-link govuk-!-display-none-print govuk-!-margin-top-3 govuk-!-margin-bottom-8"> <button class="govuk-link govuk-body-s gem-c-print-link__button" data-module="ga4-event-tracker print-link" data-track-category="printButton" data-track-action="clicked" data-track-label="Print this page" data-ga4-event="{"event_name":"print_page","type":"print page","index":{"index_link":1},"index_total":2,"section":"Content"}">Print this page</button> </div> <section> <h1 class="part-title"> 1. Overview </h1> <div class="gem-c-govspeak govuk-govspeak direction-ltr disable-youtube" data-module="govspeak"> <p>Find out what support is available to help with the cost of living. This includes income and disability benefits, bills and allowances, childcare, housing and travel.</p> <h2 id="check-benefits-and-financial-support-you-can-get">Check benefits and financial support you can get</h2> <p>Answer a few questions to find out what support you might be able to get to help with living costs if you live in the UK. <a href="/web/20230323140822/https://www.gov.uk/check-benefits-financial-support">Check benefits and financial support you can get</a>.</p> <h2 id="scams">Scams</h2> <p>You may get calls, emails or messages that are pretending to be from a government service or an energy bill support scheme. If you get a message asking for your personal details (for example, bank details or passwords) this could be a scam. <a href="/web/20230323140822/https://www.gov.uk/report-suspicious-emails-websites-phishing">Report anything you think is suspicious</a>.</p> <h2 id="support-available-in-england">Support available in England</h2> <p>This guide covers cost of living support available in England.</p> <div role="note" aria-label="Information" class="application-notice info-notice"> <p>Find out about cost of living <a rel="external" href="http://web.archive.org/web/20230323140822/https://costofliving.campaign.gov.scot/">support in Scotland</a>, <a rel="external" href="http://web.archive.org/web/20230323140822/https://www.gov.wales/help-cost-living">support in Wales</a> and <a rel="external" href="http://web.archive.org/web/20230323140822/https://www.nidirect.gov.uk/campaigns/cost-living">support in Northern Ireland</a>.</p> </div> <h3 id="support-with-income">Support with income</h3> <p><a href="/web/20230323140822/https://www.gov.uk/cost-of-living/support-with-income">Find out what support is available to help increase your income</a>. This includes the Cost of Living Payment, Universal Credit and Carer’s Allowance.</p> <h3 id="support-with-bills-and-costs">Support with bills and costs</h3> <p><a href="/web/20230323140822/https://www.gov.uk/cost-of-living/support-with-bills-and-costs">Find out what support is available to help with bills and costs</a>. This includes support with utility bills, support from your local council and Council Tax Reduction.</p> <h3 id="if-youre-60-or-over">If you’re 60 or over</h3> <p><a href="/web/20230323140822/https://www.gov.uk/cost-of-living/60-or-over">Find out what support is available if you’re 60 or over</a>. This includes Pension Credit, discounted travel and how to check your State Pension.</p> <h3 id="if-youre-disabled-or-have-a-health-condition">If you’re disabled or have a health condition</h3> <p><a href="/web/20230323140822/https://www.gov.uk/cost-of-living/disabled-or-health-condition">Find out what support is available if you’re disabled or have a health condition</a>. This includes disability benefits, the Disability Cost of Living Payment and support with prescriptions and health costs.</p> <h3 id="childcare-and-maternity-costs">Childcare and maternity costs</h3> <p><a href="/web/20230323140822/https://www.gov.uk/cost-of-living/childcare-and-maternity-costs">Find out what support is available with childcare and maternity costs</a>. This includes free childcare hours and free school meals.</p> <h3 id="managing-money">Managing money</h3> <p><a href="/web/20230323140822/https://www.gov.uk/cost-of-living/managing-money">Find advice for managing money</a>, including budgeting advice and debt support.</p> <h2 id="if-youre-finding-things-difficult">If you’re finding things difficult</h2> <p><a href="/web/20230323140822/https://www.gov.uk/cost-of-living/finding-things-difficult">Find support if money worries are impacting your mental health or you’re affected by domestic abuse</a>.</p> </div> </section> <section> <h1 class="part-title"> 2. Support with income </h1> <div class="gem-c-govspeak govuk-govspeak direction-ltr disable-youtube" data-module="govspeak"> <p>Find out what support is available in England to help increase your income. This includes the Cost of Living Payment, Universal Credit and Carer’s Allowance.</p> <div role="note" aria-label="Information" class="application-notice info-notice"> <p>Find out about cost of living <a rel="external" href="http://web.archive.org/web/20230323140822/https://costofliving.campaign.gov.scot/">support in Scotland</a>, <a rel="external" href="http://web.archive.org/web/20230323140822/https://www.gov.wales/help-cost-living">support in Wales</a> and <a rel="external" href="http://web.archive.org/web/20230323140822/https://www.nidirect.gov.uk/campaigns/cost-living">support in Northern Ireland</a>.</p> </div> <h2 id="payments-and-benefits">Payments and benefits</h2> <h3 id="cost-of-living-payment">Cost of Living Payment</h3> <p>If you’re on certain benefits or tax credits <a href="/web/20230323140822/https://www.gov.uk/guidance/cost-of-living-payments-2023-to-2024">check if you’re eligible for the Cost of Living Payment</a>.</p> <h3 id="universal-credit">Universal Credit</h3> <p><a href="/web/20230323140822/https://www.gov.uk/universal-credit">Check if you’re eligible for Universal Credit</a> to get a regular payment to help with living costs if:</p> <ul> <li>you’re on a low income</li> <li>you’re out of work</li> <li>you cannot work</li> </ul> <h3 id="carers-allowance">Carer’s Allowance</h3> <p>If you care for someone who gets certain benefits at least 35 hours a week <a href="/web/20230323140822/https://www.gov.uk/carers-allowance">check if you’re eligible for Carer’s Allowance</a>.</p> <h3 id="new-style-employment-and-support-allowance-esa">New Style Employment and Support Allowance (ESA)</h3> <p>If you have a disability or health condition that affects how much you can work or if you need support to get back into work you can <a href="/web/20230323140822/https://www.gov.uk/employment-support-allowance">apply for Employment and Support Allowance</a>.</p> <h3 id="new-style-jobseekers-allowance-jsa">New Style Jobseeker’s Allowance (JSA)</h3> <p>If you need help when you’re looking for work <a href="/web/20230323140822/https://www.gov.uk/jobseekers-allowance">check if you’re eligible for New Style Jobseeker’s Allowance</a>.</p> <h2 id="reduce-your-tax-bill">Reduce your tax bill</h2> <h3 id="marriage-allowance">Marriage Allowance</h3> <p>If you’re married or in a civil partnership you can <a href="/web/20230323140822/https://www.gov.uk/marriage-allowance">check if you’re eligible for Marriage Allowance</a>. This lets you transfer some of your personal tax allowance to your partner if you do not pay Income Tax.</p> <h3 id="tax-relief-on-work-related-expenses">Tax relief on work-related expenses</h3> <p><a href="/web/20230323140822/https://www.gov.uk/tax-relief-for-employees">Check if you can claim tax relief on things you need to buy for your job</a>.</p> <h2 id="other-help-you-can-get">Other help you can get</h2> <h3 id="national-minimum-wage-and-living-wage-calculator-for-workers">National Minimum Wage and Living Wage calculator for workers</h3> <p>If you’re employed, you can use this calculator to <a href="/web/20230323140822/https://www.gov.uk/am-i-getting-minimum-wage">check if you’re getting the minimum wage</a>.</p> <h3 id="budgeting-loans">Budgeting Loans</h3> <p><a href="/web/20230323140822/https://www.gov.uk/budgeting-help-benefits/eligibility">Check if you’re eligible for a Budgeting Loan</a> if you’ve been getting one or more of these benefits for the past 6 months:</p> <ul> <li>Income Support</li> <li>income-based Jobseeker’s Allowance</li> <li>income-related Employment and Support Allowance</li> <li>Pension Credit</li> </ul> <h3 id="help-to-save">Help to Save</h3> <p>If you get certain benefits and you’re on a low income you can get a bonus on your savings. <a href="/web/20230323140822/https://www.gov.uk/get-help-savings-low-income">Check if you’re eligible for support with savings (Help to Save)</a>.</p> </div> </section> <section> <h1 class="part-title"> 3. Support with bills and costs </h1> <div class="gem-c-govspeak govuk-govspeak direction-ltr disable-youtube" data-module="govspeak"> <p>Find out what support is available to help with bills and costs in England. This includes support with utility bills, support from your local council and Council Tax Reduction.</p> <div role="note" aria-label="Information" class="application-notice info-notice"> <p>Find out about cost of living <a rel="external" href="http://web.archive.org/web/20230323140822/https://costofliving.campaign.gov.scot/">support in Scotland</a>, <a rel="external" href="http://web.archive.org/web/20230323140822/https://www.gov.wales/help-cost-living">support in Wales</a> and <a rel="external" href="http://web.archive.org/web/20230323140822/https://www.nidirect.gov.uk/campaigns/cost-living">support in Northern Ireland</a></p> </div> <h2 id="support-with-utility-bills">Support with utility bills</h2> <h3 id="help-with-energy-bills">Help with energy bills</h3> <p><a href="/web/20230323140822/https://www.gov.uk/get-help-energy-bills">Find out what help you can get with energy bills</a>, including the Energy Price Guarantee and support if you use alternative fuels.</p> <h3 id="find-out-help-you-can-get-from-your-local-council-household-support-fund">Find out help you can get from your local council (Household Support Fund)</h3> <p><a href="/web/20230323140822/https://www.gov.uk/cost-living-help-local-council">Find out about help you can get with essential costs</a>. This includes food, energy and water bills.</p> <h3 id="cheaper-phone-and-broadband">Cheaper phone and broadband</h3> <p>If you’re getting certain benefits <a rel="external" href="http://web.archive.org/web/20230323140822/https://www.ofcom.org.uk/phones-telecoms-and-internet/advice-for-consumers/costs-and-billing/social-tariffs">find out if you can get cheaper phone and broadband on the Ofcom website</a>.</p> <h3 id="help-paying-your-water-bill">Help paying your water bill</h3> <p><a rel="external" href="http://web.archive.org/web/20230323140822/https://www.ccwater.org.uk/households/help-with-my-bills/">Find out how to reduce your water bill and support you may be able to get to pay for it on the CCW website</a>.</p> <h2 id="support-with-housing-costs">Support with housing costs</h2> <h3 id="council-tax-reduction">Council Tax Reduction</h3> <p>If you’re on a low income or certain benefits you can <a href="/web/20230323140822/https://www.gov.uk/apply-council-tax-reduction">check if you’re eligible to reduce your Council Tax</a>.</p> <h3 id="help-paying-rent-discretionary-housing-payments">Help paying rent (Discretionary Housing Payments)</h3> <p>If you need support with rent or housing costs you can <a href="/web/20230323140822/https://www.gov.uk/government/publications/claiming-discretionary-housing-payments/claiming-discretionary-housing-payments">check if you’re eligible for a Discretionary Housing Payment</a> from your local council.</p> <h3 id="housing-cost-help-with-universal-credit">Housing cost help with Universal Credit</h3> <p>If you’re eligible for Universal Credit you can get help paying for housing (for example, rent and mortgage interest). <a href="/web/20230323140822/https://www.gov.uk/housing-and-universal-credit">Find out more about housing costs and Universal Credit</a>.</p> <h2 id="other-help-you-can-get">Other help you can get</h2> <h3 id="get-help-with-nhs-prescriptions-and-health-costs">Get help with NHS prescriptions and health costs</h3> <p>Answer a few questions to <a href="/web/20230323140822/https://www.gov.uk/help-nhs-costs">find out what help you can get to pay for health costs</a> such as prescriptions, eye and dental care.</p> <h3 id="if-you-get-universal-credit-or-jobseekers-allowance">If you get Universal Credit or Jobseeker’s Allowance</h3> <p><a rel="external" href="http://web.archive.org/web/20230323140822/https://www.nationalrail.co.uk/times_fares/jobcentre-plus-card.aspx">Check if you’re eligible for a Jobcentre Plus Travel Discount Card on the National Rail website</a>. This gives a discount on some rail tickets.</p> </div> </section> <section> <h1 class="part-title"> 4. If you’re 60 or over </h1> <div class="gem-c-govspeak govuk-govspeak direction-ltr disable-youtube" data-module="govspeak"> <p>Find out what support is available if you’re 60 or over in England. This includes checking your eligibility for Pension Credit, discounted travel and how to check your State Pension.</p> <div role="note" aria-label="Information" class="application-notice info-notice"> <p>Find out about cost of living <a rel="external" href="http://web.archive.org/web/20230323140822/https://costofliving.campaign.gov.scot/">support in Scotland</a>, <a rel="external" href="http://web.archive.org/web/20230323140822/https://www.gov.wales/help-cost-living">support in Wales</a> and <a rel="external" href="http://web.archive.org/web/20230323140822/https://www.nidirect.gov.uk/campaigns/cost-living">support in Northern Ireland</a></p> </div> <h2 id="check-your-state-pension">Check your State Pension</h2> <p><a href="/web/20230323140822/https://www.gov.uk/state-pension-age">Check your State Pension age</a> to find the earliest age you can start receiving your State Pension.</p> <p><a href="/web/20230323140822/https://www.gov.uk/check-state-pension">Check your State Pension</a> to find out how much you could get, when you can get it and how to increase it.</p> <h2 id="if-youre-over-state-pension-age">If you’re over State Pension age</h2> <h3 id="pension-credit">Pension Credit</h3> <p>If you’re over State Pension age and on a low income you can <a href="/web/20230323140822/https://www.gov.uk/pension-credit">apply for Pension Credit</a> for help with your living costs.</p> <h3 id="housing-benefit">Housing Benefit</h3> <p>If you’ve reached State Pension age or are in supported, sheltered or temporary housing you can <a href="/web/20230323140822/https://www.gov.uk/housing-benefit">check if you’re eligible for Housing Benefit</a> for help to pay your rent.</p> <h3 id="free-or-discounted-tv-licence">Free or discounted TV licence</h3> <p>If you’re 75 or over you can get a free TV licence. If you’re in residential care or sheltered accommodation you can get a discounted TV licence. <a href="/web/20230323140822/https://www.gov.uk/free-discount-tv-licence">Check if you’re eligible for a free or discounted TV licence</a>.</p> <h2 id="support-with-travel-costs">Support with travel costs</h2> <h3 id="older-persons-bus-pass">Older person’s bus pass</h3> <p>If you’re State Pension age or older you can <a href="/web/20230323140822/https://www.gov.uk/apply-for-elderly-person-bus-pass">apply for an older person’s bus pass</a> to travel on the bus for free.</p> <h3 id="senior-railcard">Senior Railcard</h3> <p>If you’re 60 or over you can <a rel="external" href="http://web.archive.org/web/20230323140822/https://www.senior-railcard.co.uk/">apply for a Senior Railcard on the National Rail website</a> to get a discount on the cost of rail tickets.</p> <h2 id="get-help-with-nhs-prescriptions-and-health-costs">Get help with NHS prescriptions and health costs</h2> <p>Answer a few questions to <a href="/web/20230323140822/https://www.gov.uk/help-nhs-costs">find out what help you can get to pay for health costs</a> such as prescriptions, eye and dental care.</p> </div> </section> <section> <h1 class="part-title"> 5. If you’re disabled or have a health condition </h1> <div class="gem-c-govspeak govuk-govspeak direction-ltr disable-youtube" data-module="govspeak"> <p>Find out what support is available if you’re disabled or have a health condition in England. This includes disability benefits, the Disability Cost of Living Payment and support with prescriptions and health costs.</p> <div role="note" aria-label="Information" class="application-notice info-notice"> <p>Find out about cost of living <a rel="external" href="http://web.archive.org/web/20230323140822/https://costofliving.campaign.gov.scot/">support in Scotland</a>, <a rel="external" href="http://web.archive.org/web/20230323140822/https://www.gov.wales/help-cost-living">support in Wales</a> and <a rel="external" href="http://web.archive.org/web/20230323140822/https://www.nidirect.gov.uk/campaigns/cost-living">support in Northern Ireland</a></p> </div> <h2 id="support-you-can-get">Support you can get</h2> <h3 id="disability-cost-of-living-payment">Disability Cost of Living Payment</h3> <p>If you get disability benefits <a href="/web/20230323140822/https://www.gov.uk/guidance/cost-of-living-payments-2023-to-2024#disability-cost-of-living-payment">find out about the Disability Cost of Living Payment</a>.</p> <h3 id="personal-independence-payment-pip">Personal Independence Payment (PIP)</h3> <p>If you have a long term health condition or disability and have difficulty doing everyday tasks you can <a href="/web/20230323140822/https://www.gov.uk/pip">check if you’re eligible for the Personal Independence Payment</a>.</p> <h3 id="attendance-allowance">Attendance Allowance</h3> <p>If you’re of State Pension age and have a physical or mental health condition you can <a href="/web/20230323140822/https://www.gov.uk/attendance-allowance">check if you’re eligible for Attendance Allowance</a>.</p> <h3 id="universal-credit-if-youre-disabled">Universal Credit if you’re disabled</h3> <p>If you have a health condition or disability that prevents you from working and you’re on Universal Credit <a href="/web/20230323140822/https://www.gov.uk/health-conditions-disability-universal-credit">check if you’re eligible for a disability Universal Credit payment</a>.</p> <h3 id="disability-living-allowance-for-children">Disability Living Allowance for children</h3> <p>If you look after a disabled child you can <a href="/web/20230323140822/https://www.gov.uk/disability-living-allowance-children">check if you’re eligible for Disability Living Allowance</a>.</p> <h3 id="access-to-work">Access to Work</h3> <p>If you have a physical or mental health condition or disability you can <a href="/web/20230323140822/https://www.gov.uk/access-to-work">check if you’re eligible for Access to Work</a>. This gives help to get or stay in work.</p> <h3 id="disabled-facilities-grants">Disabled Facilities Grants</h3> <p><a href="/web/20230323140822/https://www.gov.uk/disabled-facilities-grants">Find out if you can get a Disabled Facilities Grant</a> from your local council if you’re disabled and need to make changes to your home such as:</p> <ul> <li>widening doors</li> <li>installing ramps or grab rails</li> <li>improving access around your home</li> </ul> <h3 id="discounted-tv-licence-if-youre-registered-blind">Discounted TV licence if you’re registered blind</h3> <p>If you’re registered blind you can <a href="/web/20230323140822/https://www.gov.uk/free-discount-tv-licence">apply for a discount on your TV licence</a>.</p> <h2 id="support-with-travel-costs">Support with travel costs</h2> <h3 id="disabled-persons-bus-pass">Disabled person’s bus pass</h3> <p>If you’re disabled you can <a href="/web/20230323140822/https://www.gov.uk/apply-for-disabled-bus-pass">check your eligibility for an disabled person’s bus pass</a> to travel on the bus for free.</p> <h3 id="disabled-persons-railcard">Disabled Person’s Railcard</h3> <p>If you’re disabled you can <a rel="external" href="http://web.archive.org/web/20230323140822/https://www.disabledpersons-railcard.co.uk/">check if you’re eligible for a Disabled Person’s Railcard on the National Rail website</a> to get a discount on the cost of rail tickets.</p> <h2 id="get-help-with-nhs-prescriptions-and-health-costs">Get help with NHS prescriptions and health costs</h2> <p>Answer a few questions to <a href="/web/20230323140822/https://www.gov.uk/help-nhs-costs">find out what help you could get to pay for health costs</a> such as prescriptions, eye and dental care.</p> </div> </section> <section> <h1 class="part-title"> 6. Childcare and maternity costs </h1> <div class="gem-c-govspeak govuk-govspeak direction-ltr disable-youtube" data-module="govspeak"> <p>Find out what support is available with childcare and maternity costs in England. This includes free childcare hours and free school meals.</p> <div role="note" aria-label="Information" class="application-notice info-notice"> <p>Find out about cost of living <a rel="external" href="http://web.archive.org/web/20230323140822/https://costofliving.campaign.gov.scot/">support in Scotland</a>, <a rel="external" href="http://web.archive.org/web/20230323140822/https://www.gov.wales/help-cost-living">support in Wales</a> and <a rel="external" href="http://web.archive.org/web/20230323140822/https://www.nidirect.gov.uk/campaigns/cost-living">support in Northern Ireland</a></p> </div> <h2 id="support-you-can-get">Support you can get</h2> <h3 id="tax-free-childcare">Tax-Free Childcare</h3> <p>If you need help with the costs of childcare <a href="/web/20230323140822/https://www.gov.uk/tax-free-childcare">check if you’re eligible Tax-Free Childcare</a>.</p> <h3 id="child-benefit">Child Benefit</h3> <p>If you’re responsible for a child under 16 (or under 20 if they stay in approved education or training) you can get help with child-related costs. <a href="/web/20230323140822/https://www.gov.uk/child-benefit">Check if you’re eligible for Child Benefit</a>.</p> <h3 id="hours-free-childcare-a-week-for-3-to-4-year-olds">30 hours free childcare a week for 3 to 4-year-olds</h3> <p>If you’re working and your child is aged 3 to 4 <a href="/web/20230323140822/https://www.gov.uk/30-hours-free-childcare">check if you’re eligible for 30 hours free childcare a week</a>.</p> <h3 id="hours-free-childcare-a-week-for-3-to-4-year-olds-1">15 hours free childcare a week for 3 to 4-year-olds</h3> <p>All 3 to 4-year-olds can get free childcare. <a href="/web/20230323140822/https://www.gov.uk/help-with-childcare-costs/free-childcare-and-education-for-2-to-4-year-olds">Find out about 15 hours free childcare a week</a>.</p> <h3 id="free-childcare-for-2-year-olds">Free childcare for 2-year-olds</h3> <p>If you get certain benefits and your child is 2-years-old <a href="/web/20230323140822/https://www.gov.uk/help-with-childcare-costs/free-childcare-2-year-olds">check if you’re eligible for free childcare</a>.</p> <h3 id="universal-credit-and-childcare">Universal Credit and childcare</h3> <p>If you’re getting Universal Credit you can claim back some of your childcare costs. <a href="/web/20230323140822/https://www.gov.uk/help-with-childcare-costs/universal-credit">Find out about support available with childcare if you’re on Universal Credit</a>.</p> <h2 id="support-with-food-and-milk-for-your-child">Support with food and milk for your child</h2> <h3 id="free-school-meals">Free school meals</h3> <p>Your child may be able to get free school meals. <a href="/web/20230323140822/https://www.gov.uk/apply-free-school-meals">Check if your child is eligible for free school meals on your council’s website</a>.</p> <h3 id="healthy-start-food-and-milk-for-your-child">Healthy Start (food and milk for your child)</h3> <p>If you’re more than 10 weeks pregnant or have a child under 4 and you’re getting certain benefits you can get help to buy healthy food and milk. <a rel="external" href="http://web.archive.org/web/20230323140822/https://www.healthystart.nhs.uk/how-to-apply/">Check if you’re eligible for help to buy food and milk for your child on the NHS website</a>.</p> <h2 id="support-with-maternity-costs">Support with maternity costs</h2> <h3 id="maternity-allowance">Maternity Allowance</h3> <p>If you’re employed but cannot get Statutory Maternity Pay (SMP), or are registered self-employed, <a href="/web/20230323140822/https://www.gov.uk/maternity-allowance">check if you’re eligible for Maternity Allowance</a>.</p> <h3 id="sure-start-maternity-grant">Sure Start Maternity Grant</h3> <p>If you or your partner get certain benefits and you’re having a child <a href="/web/20230323140822/https://www.gov.uk/sure-start-maternity-grant/eligibility">check if you’re eligible for a Sure Start Maternity Grant</a>.</p> <h2 id="support-with-travel-costs">Support with travel costs</h2> <h3 id="home-to-school-transport">Home to school transport</h3> <p><a href="/web/20230323140822/https://www.gov.uk/help-home-school-transport">Find out if your child is eligible for help with the cost of home to school transport</a>.</p> <h3 id="family-and-friends-railcard">Family and Friends Railcard</h3> <p>If you travel by rail with your children <a rel="external" href="http://web.archive.org/web/20230323140822/https://www.familyandfriends-railcard.co.uk/">check if you’re eligible for Family and Friends Railcard on the National Rail website</a>.</p> </div> </section> <section> <h1 class="part-title"> 7. Managing money </h1> <div class="gem-c-govspeak govuk-govspeak direction-ltr disable-youtube" data-module="govspeak"> <p>Find advice for managing your money. This includes budgeting advice and debt support.</p> <h2 id="money-and-pensions-advice">Money and pensions advice</h2> <p>If you need help with your money and pension choices you can <a rel="external" href="http://web.archive.org/web/20230323140822/https://www.moneyhelper.org.uk/en">get free, confidential and impartial advice on the MoneyHelper website</a>.</p> <h2 id="how-to-budget">How to budget</h2> <p><a rel="external" href="http://web.archive.org/web/20230323140822/https://www.citizensadvice.org.uk/debt-and-money/budgeting/budgeting/work-out-your-budget/">Get support with making a budget on the Citizens Advice website</a> to help to understand what you’re earning and spending and where you might be able to cut costs.</p> <h2 id="dealing-with-your-debts">Dealing with your debts</h2> <p>Answer a few questions to <a href="/web/20230323140822/https://www.gov.uk/pay-off-debts">find what options are available if you cannot pay your debts</a>.</p> </div> </section> <section> <h1 class="part-title"> 8. If you’re finding things difficult </h1> <div class="gem-c-govspeak govuk-govspeak direction-ltr disable-youtube" data-module="govspeak"> <p>Find support if money worries are impacting your mental health or you’re affected by domestic abuse.</p> <p>Talk to a GP if money problems are affecting your mental health and wellbeing.</p> <h2 id="support-with-mental-health">Support with mental health</h2> <h3 id="get-urgent-help-with-mental-health">Get urgent help with mental health</h3> <p><a rel="external" href="http://web.archive.org/web/20230323140822/https://www.nhs.uk/nhs-services/mental-health-services/where-to-get-urgent-help-for-mental-health/">Find out how to get help on the NHS website</a>.</p> <h3 id="support-with-money-and-mental-health">Support with money and mental health</h3> <p><a rel="external" href="http://web.archive.org/web/20230323140822/https://www.mind.org.uk/information-support/tips-for-everyday-living/money-and-mental-health/">Get support on the Mind website</a>, including organising your finances, claiming benefits and looking after your mental health when you’re worried about money.</p> <h3 id="samaritans">Samaritans</h3> <p>Call the Samaritans to talk to a trained volunteer anonymously for free, confidential support 24 hours a day.</p> <div class="contact"> <p>Samaritans<br> Telephone: 116 123<br> 24-hour service<br> Free to call - <a href="/web/20230323140822/https://www.gov.uk/call-charges">find out more about call charges</a></p> </div> <p>There are also other ways to <a rel="external" href="http://web.archive.org/web/20230323140822/https://www.samaritans.org/how-we-can-help/contact-samaritan/">contact Samaritans</a>.</p> <h3 id="shout-85285-text-support">Shout 85285 (text support)</h3> <p>You can text a trained <a rel="external" href="http://web.archive.org/web/20230323140822/https://giveusashout.org/">Shout 85285</a> volunteer anonymously for free, confidential support 24 hours a day.</p> <div class="contact"> <p>Shout 85285<br> Text ‘SHOUT’ to 85258<br> 24-hour service<br> Free to text from most major UK mobile networks</p> </div> <h2 id="support-if-youre-affected-by-domestic-abuse">Support if you’re affected by domestic abuse</h2> <h3 id="refuge">Refuge</h3> <p>If you’re a woman or child who has experienced domestic abuse <a rel="external" href="http://web.archive.org/web/20230323140822/https://www.nationaldahelpline.org.uk/">contact Refuge</a> for support.</p> <div class="contact"> <p>National Domestic Abuse Helpline<br> Telephone: 0808 2000 247<br> 24-hour service<br> Free to call - <a href="/web/20230323140822/https://www.gov.uk/call-charges">find out more about call charges</a></p> </div> <h3 id="mens-advice-line">Men’s Advice Line</h3> <p>If you’re a man who has experienced domestic abuse contact the <a rel="external" href="http://web.archive.org/web/20230323140822/https://mensadviceline.org.uk/">Men’s Advice Line</a> for confidential advice, non-judgmental support and practical information.</p> <div class="contact"> <p>Men’s Advice Line<br> Telephone: 0808 801 0327<br> Monday to Friday, 10am to 8pm<br> Free to call - <a href="/web/20230323140822/https://www.gov.uk/call-charges">find out more about call charges</a></p> </div> <p>There are also other ways to <a rel="external" href="http://web.archive.org/web/20230323140822/https://mensadviceline.org.uk/contact-us/">contact the Men’s Advice Line</a>.</p> <h3 id="galop">Galop</h3> <p>If you’re LGBT+ and experiencing abuse or violence <a rel="external" href="http://web.archive.org/web/20230323140822/https://galop.org.uk/">contact Galop</a> for support.</p> <div class="contact"> <p>Galop<br> Telephone: 0800 999 5428<br> Monday to Thursday, 10am to 8:30pm<br> Friday, 10am to 4:30pm<br> Free to call - 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