Ways to stretch your income this winter

With this winter set to be hard for lots of families, it’s important to take advantage of support on offer and make sure you’re getting all the income you’re entitled to.  We’ve shared some of the support that may be available to you depending on your current situation. 

Saving on your water bills 

If you’re worried about paying your water bill, you might be able to get support to help you cope. For example you may be able to get a temporary cap on your bills if you’ve had a recent change in financial circumstances, or if you use a lot of water due to illness or having a large family. 

One of the easiest ways to cut down on your water bills is by switching to a water meter - the average person saves around £150 a year on a water meter compared to their fixed bills. Find out more about how to get a water meter on the United Utilities website. 

If you’re in serious financial hardship, you could qualify for a one-off payment to help you clear your debts through the United Utilities Trust fund. Find out more about how to apply here. 

Broadband social tariffs

If you receive certain benefits, you could be eligible for social tariffs on your broadband. These are cheaper than normal tariffs with prices usually ranging from around £10-20 and cost you nothing to switch. 

If you or someone in your household receives Universal Credit, you can switch to any of the available tariffs. All major providers also include people on Pension Credit, Employment and Support Allowance, Jobseeker’s Allowance and Income Support. Some providers might include additional benefits, like Personal Independence Payment and Attendance Allowance.

If you want to switch, first check that your supplier offers a social tariff. You can see a full list of available tariffs on the Ofcom website. A supplier will normally let you switch to a social tariff without paying a cancellation fee. 

Help for young families 

If you receive benefits, are currently pregnant or have a child aged under four, you could be eligible for the NHS Healthy Start scheme. The scheme provides vouchers towards buying fruit, vegetables and formula milk. You can find out more and apply on the NHS Healthy Start website. 

If you’re expecting your first child or you’re expecting a multiple birth (such as twins) you could also be eligible for a £500 one-off payment through the Sure Start Maternity Grant. You can claim this within 11 weeks of your due date or 6 months after your child is born. Find out more and apply on the gov.uk website. 

Help with school costs 

If you receive benefits and have children attending school, they may be eligible to receive free school meals. If your child is eligible for free school meals, they’ll also qualify for the Holiday Activity and Food Programme, which provides healthy food and free activities during the school holidays. 

If you’re on low income or receive benefits, you might also be able to get help with the costs of sending your children to school. The council may be able to help with transport costs if your child doesn’t live near school or is unable to walk there. The council may also help with paying for uniforms, equipment and musical lessons. 

Help with medical costs 

You may be able to get help paying NHS costs if you receive benefits, are currently pregnant or recently gave birth, are aged 60 or over, receive a War Pension or have certain medical conditions. If eligible, you could get help with paying for prescriptions, dental treatment and eye tests. 

If you do not qualify for the help that you need, you can still apply for help. You could be eligible depending on your household income and outgoings. 

Find out more about getting support on the NHS website. 

If you’re finding it difficult 

We know this is an extremely worrying time and everyone’s situation is different. You don’t have to struggle alone. If you need further support, you contact us free on 0808 278 7800 or find more ways to get help online.